Riverwind Bank

100 South Second Street
Augusta, AR 72006


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15035
Date Established 1935
Assets $0.11 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 $0.11 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.

Deposit Rates - August 24, 2019

Your Current Location: Washington, WA 98101

There are currently no rates available for Riverwind Bank, but see these great savings and CD rates:

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Loan Rates - August 24, 2019

Your Current Location: Washington, WA 98101

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
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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
3.18% 6.94%

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 March 31, 2019, Riverwind Bank had $283,000 in non-current loans and $84,000 in owned real estate. To cover these potential losses it had $10,685,000 in equity and $841,000 in loans loss reserves. That gives it a Texas Ratio of 3.18%.

Return on Equity
Riverwind Bank U.S. Bank Average
9.33% 9.47%

Riverwind Bank has a Return on Equity of 9.33% versus the BestCashCow average of 9.47%. 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
10.11% 12.49%

Riverwind Bank has a Capitalization of 10.11% versus the BestCashCow average of 12.49. 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 March 31, 2019, Riverwind Bank had assets of $105,676,000, loans of $68,776,000, and deposits of $92,127,000. 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, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.01 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) 65.87%
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

March 31, 2019
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

Bank Loan Profile?

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

Compared to other banks in Arkansas, Riverwind Bank has a significantly higher percent of 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 25.21
Credit Card Loans 0.00
Consumer Auto Loans 1.49
Small Business Loans 0.00
Construction and Development Loans 5.43
Commercial Real Estate 23.01
Commercial and Industrial Loans 25.44
Farm Loans 4.80

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?

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Is Riverwind Bank a commercial bank?


Where are Riverwind Bank locations?

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Does Riverwind Bank offer mortgages?

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

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Does Riverwind Bank offer personal loans?

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Background on The Bank

Who owns Riverwind Bank?

How long has Riverwind Bank been around?

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