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Rivers Edge Bank

IDRSSD: 474450
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 474450 held $346.3M in total assets as of 2026-03-31 (+2.7% quarter-over-quarter). Total loans stood at $267.8M (+5.2% QoQ) and total deposits at $284.0M (+4.2% QoQ).

Overall position is adequate — the composite Health Score is 44/100 (Adequate). Tier 1 / RWA stands at 10.15%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the above median of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
44/100
Adequate
Active Alerts
3
0 critical, 3 warning
Total Assets
$346.3M
+2.7% QoQ
Total Loans
$267.8M
+5.2% QoQ
Total Deposits
$284.0M
+4.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.15%
4th pctile · n=272↑ better
-29 bp QoQ
CET1 / RWA
10.15%
48th pctile · n=500↑ better
-29 bp QoQ
Total RBC / RWA
11.40%
7th pctile · n=272↑ better
-21 bp QoQ
Tier 1 Leverage Ratio
10.15%
48th pctile · n=500↑ better
-29 bp QoQ

Liquidity

Cash / Assets
1.36%
12th pctile · n=500↑ better
-58 bp QoQ
Loans / Deposits
94.28%
82th pctile · n=496↓ better
+88 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.15%
35th pctile · n=500↓ better
-1 bp QoQ
NPA / Assets
0.12%
35th pctile · n=500↓ better
-0 bp QoQ
Texas Ratio (regulatory)
1.31%
38th pctile · n=500↓ better
-6 bp QoQ
Net Charge-Offs / Avg Loans
0.02%
67th pctile · n=500↓ better
+1 bp QoQ
ALLL Coverage of NPL
848.08%
81th pctile · n=500↑ better
+12379 bp QoQ

Earnings

Net Interest Margin
3.95%
54th pctile · n=500↑ better
-9 bp QoQ
Return on Assets
1.20%
50th pctile · n=500↑ better
-74 bp QoQ
Return on Equity
13.10%
59th pctile · n=500↑ better
-791 bp QoQ
Efficiency Ratio
51.43%
18th pctile · n=500↓ better
+89 bp QoQ
Pre-tax NOI / Avg Assets
1.30%
44th pctile · n=500↑ better
-70 bp QoQ

Funding

Brokered / Deposits
2.82%
70th pctile · n=496↓ better
-12 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
9.40%
89th pctile · n=500↓ better
+111 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
17.36%
50th pctile · n=500↑ better
-111 bp QoQ
AFS Securities / Assets
17.36%
58th pctile · n=500↑ better
-111 bp QoQ
HTM Securities / Assets
0.00%
35th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 01:17:51 UTC