1700 Old County Road
Pocahontas, AR 72455
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Notable Rates APY Vs.Others
Savings 0.50% 1.25% →
1-Year CD 0.80% 0.95% →
2-Year CD 0.90% 1.05% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

RiverBank is an FDIC insured institution located in Pocahontas, AR. It was founded in 1974 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 31711
Date Established 1974
Assets $ 100.89 million
Loans $ 76.94 million
Deposits $ 86.12 million
Capital $ 11.25 million

For a more detailed analysis of RiverBank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.50% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
3 Mo CD
0.30% $10,000 $14,999 Learn More
3 Mo CD
0.30% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.40% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for RiverBank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to RiverBank
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Financial Details

RiverBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of RiverBank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
RiverBank U.S. Bank Average
23.48% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, RiverBank had $2,764,000 in non-current loans and $145,000 in owned real estate. To cover these potential losses it had $11,247,000 in equity and $1,141,000 in loans loss reserves. That gives it a Texas Ratio of 23.48%.

Return on Equity
RiverBank U.S. Bank Average
3.96% 7.80%

RiverBank has a Return on Equity of 3.96% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

RiverBank U.S. Bank Average
11.15% 12.68%

RiverBank has a Capitalization of 11.15% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

RiverBank Balance Sheet Analysis

As of March 31, 2020, RiverBank had assets of $100,891,000, loans of $76,943,000, and deposits of $86,117,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 2.05 million
Interest-bearing balances $ 0.62 million
Total securities $ 6.09 million
Federal funds sold and reverse repurchase $ 9.88 million
Net loans and leases $ 76.94 million
Loan loss allowance $ 1.14 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.15 million
Goodwill and other intangibles $ 0.20 million
All other assets $ 3.89 million
     Total Assets $ 89.64 million
Total deposits $ 86.12 million
      Interest-bearing deposits $ 77.82 million
      Deposits held in domestic offices $ 86.12 million
      % insured (estimated) 91.24%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.86 million
Subordinated debt N.A.
All other liabilities $ 0.67 million
      Total Liabilities $ 89.64 million
      Shareholders’ Equity $ 11.25 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 1.12 million
Total Interest Expense $ 0.41 million
Net interest income $ 0.71 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 0.05 million
Total non interest expense $ 0.43 million
Pre-tax Net Operating Income $ 0.26 million

Bank Loan Profile?

The top three loan types in RiverBank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Construction and Development Loans.

Compared to other banks, RiverBank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.56
Credit Card Loans 0.00
Consumer Auto Loans 0.40
Small Business Loans 0.00
Construction and Development Loans 9.70
Commercial Real Estate 6.25
Commercial and Industrial Loans 4.99
Farm Loans 12.01

Frequently Asked Questions About Riverbank

Branches and Savings

Is Riverbank FDIC insured?

Yes. It is covered under FDIC Certificate #31711.

Why does Riverbank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Riverbank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Riverbank a commercial bank?


Where are Riverbank locations?

See branch locations nearby.

Is Riverbank open on Saturdays?

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What time does Riverbank open?

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Are Riverbank ATMs Open 24/7?

Do Riverbank ATMs accept cash deposits?

Can Riverbank customers use other ATMs?

Do Riverbank branches have notaries?

Will Riverbank notarize my document?

What address for Riverbank should I put for incoming ACH transfers?

Will the Riverbank branch print checks?

Do Riverbank checks expire?

Does Riverbank require US citizenship to open account?

Can Riverbank close my account?

Does Riverbank Report to credit bureaus?

Does Riverbank Use Equifax?

What is Riverbank's ACH Routing Number?

What is Riverbank's SWIFT code?


Does Riverbank offer mortgages?

Compare mortgage rates here.

Does Riverbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Riverbank offer personal loans?

Compare personal loan rates here.

Does Riverbank offer student loans?

Will Riverbank cash a check?

Will Riverbank redeem a savings bond?

Does Riverbank cash savings bonds?

Will Riverbank cash money orders?

Can Riverbank issue a money order?

Does Riverbank do currency exchange?

Background on The Bank

Who owns Riverbank?

How long has Riverbank been around?

Can Riverbank transfer to other banks?

Does Riverbank have quick pay?

Does Riverbank accept rolled coins?

Will Riverbank accept loose change?

Where is Riverbank headquarters?

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