Riverside Savings Bank, SSB: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Riverside Savings Bank, SSB's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $6.4M peer median). Its weakest relative measure is return on assets (0.46% vs. 1.14%).
| Measure | Riverside Savings Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.46% | 1.14% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.25% | 3.92% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.86% | 65.93% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.4M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.31% | 73.29% | Context |
What it means for lending operations
Its efficiency ratio of 81.86% is above the 65.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Security Bank of Roundup Roundup, MT · $95M
- First State Bank of Harvey Harvey, ND · $95M
- Mayville State Bank Mayville, MI · $95M
- First Federal Savings Bank of Washington Washington, IN · $94M
- Farmers Bank Parsons, TN · $95M
- Citizens Bank of Cumberland County, Inc. Burkesville, KY · $95M
Questions about Riverside Savings Bank, SSB
How big is Riverside Savings Bank, SSB?
Riverside Savings Bank, SSB, established in 1914, is headquartered in Roanoke Rapids, NC. It reported $95M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Riverside Savings Bank, SSB's return on assets?
0.46% annualized in Q2 2026, against a 1.14% median for 999 U.S. banks with half to twice its assets, ahead of 16% of them.
What is Riverside Savings Bank, SSB's efficiency ratio?
81.86% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 65.93%, and lower is better.
Is Riverside Savings Bank, SSB growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.