Riverwind Bank

100 South Second Street
Augusta, AR 72006


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15035
Date Established 1935
Assets $0.10 billion
Loans $0.07 billion
Deposits $0.09 billion
Capital $0.01 billion

Riverwind Bank is an FDIC insured institution located in Augusta, AR. It was founded in 1935 and has approximately $0.1 billion in assets. Customers can open an account at one of its 4 branches.

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

Bank Loan Profile?

The top three loan types in Riverwind Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Arkansas, Riverwind Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 26.01
Credit Card Loans 0.00
Consumer Auto Loans 1.33
Small Business Loans 17.44
Construction and Development Loans 5.04
Commercial Real Estate 25.10
Commercial and Industrial Loans 22.21
Farm Loans 5.28

Deposit Rates - December 13, 2018

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
6 Mo CD
0.20% $1,000 - Learn MoreShow Less
12 Mo CD
0.40% $1,000 - Learn MoreShow Less
24 Mo CD
0.70% $1,000 - Learn MoreShow Less
36 Mo CD
0.90% $1,000 $100,000 Learn MoreShow Less
48 Mo CD
1.00% $1,000 - Learn MoreShow Less
60 Mo CD
1.00% $1,000 - Learn MoreShow Less

Fixed IRA
0.40% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 $24,999 Learn MoreShow Less

Loan Rates - December 13, 2018

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Riverwind Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Vantage Mortgage Group, Inc.
NMLS ID: 35986
License#: 35986
4.783% 4.750% 0.00 $993 $1,305 Learn More
First Internet Bank
NMLS ID: 424182
4.637% 4.625% 0.13 $345 $1,286 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to Riverwind Bank
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Riverwind Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Riverwind Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Riverwind Bank. 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
Riverwind Bank U.S. Bank Average
8.16% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Riverwind Bank had $866,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,825,000 in equity and $789,000 in loans loss reserves. That gives it a Texas Ratio of 8.16%.

Return on Equity
Riverwind Bank U.S. Bank Average
7.59% 9.77%

Riverwind Bank has a Return on Equity of 7.59% versus the BestCashCow average of 9.77%. 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.

Riverwind Bank U.S. Bank Average
9.71% 12.31%

Riverwind Bank has a Capitalization of 9.71% versus the BestCashCow average of 12.31. 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.

Riverwind Bank Balance Sheet Analysis

As of June 30, 2018, Riverwind Bank had assets of $101,170,000, loans of $68,868,000, and deposits of $88,784,000. 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

June 30, 2018
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 63.98%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Riverwind Bank

Branches and Savings

Is Riverwind Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15035.

Why does Riverwind Bank pay such low interest on savings accounts?

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

Why are Riverwind Bank CD rates not competitive?

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

Is Riverwind Bank a commercial bank?


Where are Riverwind Bank locations?

See branch locations nearby.

Is Riverwind Bank open on Saturdays?

Is Riverwind Bank open on Sundays?

What time does Riverwind Bank open?

What time does Riverwind Bank close?

Are Riverwind Bank ATMs Open 24/7?

Do Riverwind Bank ATMs accept cash deposits?

Can Riverwind Bank customers use other ATMs?

Do Riverwind Bank branches have notaries?

Will Riverwind Bank notarize my document?

What address for Riverwind Bank should I put for incoming ACH transfers?

Will the Riverwind Bank branch print checks?

Do Riverwind Bank checks expire?

Does Riverwind Bank require US citizenship to open account?

Can Riverwind Bank close my account?

Does Riverwind Bank Report to credit bureaus?

Does Riverwind Bank Use Equifax?

What is Riverwind Bank's ACH Routing Number?

What is Riverwind Bank's SWIFT code?


Does Riverwind Bank offer mortgages?

Compare mortgage rates here.

Does Riverwind Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Riverwind Bank offer personal loans?

Compare personal loan rates here.

Does Riverwind Bank offer student loans?

Will Riverwind Bank cash a check?

Will Riverwind Bank redeem a savings bond?

Does Riverwind Bank cash savings bonds?

Will Riverwind Bank cash money orders?

Can Riverwind Bank issue a money order?

Does Riverwind Bank do currency exchange?

Background on The Bank

Who owns Riverwind Bank?

How long has Riverwind Bank been around?

Can Riverwind Bank transfer to other banks?

Does Riverwind Bank have quick pay?

Does Riverwind Bank accept rolled coins?

Will Riverwind Bank accept loose change?

Where is Riverwind Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of Riverwind Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.