TellerScore

Riverside Bank is a state-chartered bank headquartered in Sparkman, Arkansas, in business for about 110 years. At the end of Q2 2026 it reported $73.9M in total assets and $56.6M in deposits, with 2 offices.

Based on its Q2 2026 filing, Riverside Bank scores 76/100, which we describe as strong. That is higher than 56% of 546 banks with under $100 million in assets. Among 78 banks headquartered in Arkansas, it ranks 25th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is funding & liquidity (41/100; 110% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.29%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 110.2% · 22.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the capital cushion component improved by 20 points.

TellerScore
616976Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202469
Q1 202561
Q2 202571
Q3 202573
Q4 202573
Q1 202673
Q2 202676
Tier 1 leverage ratio
5.00%8.64%12.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.91%
Q3 20249.36%
Q4 20248.52%
Q1 202510.25%
Q2 202510.26%
Q3 202511.16%
Q4 202511.42%
Q1 202611.74%
Q2 202612.29%
Noncurrent loans
0.04%0.52%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.06%
Q4 20240.06%
Q1 20251.00%
Q2 20250.06%
Q3 20250.05%
Q4 20250.05%
Q1 20260.04%
Q2 20260.04%
Return on assets
0.83%1.18%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.47%
Q3 20241.53%
Q4 20241.49%
Q1 20250.83%
Q2 20250.91%
Q3 20250.93%
Q4 20250.90%
Q1 20260.84%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$73.9M12.29%0.04%1.12%110.2%
Q1 202673$70.2M11.74%0.04%0.84%98.1%
Q4 202573$71.8M11.42%0.05%0.90%92.2%
Q3 202573$72.5M11.16%0.05%0.93%94.2%
Q2 202571$71.0M10.26%0.06%0.91%86.3%
Q1 202561$68.6M10.25%1.00%0.83%84.8%
Q4 202469$61.9M8.52%0.06%1.49%95.4%
Q3 202471$59.9M9.36%0.06%1.53%103.6%
Q2 202469$60.2M8.91%0.05%1.47%103.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.29%
44th
Total risk-based capital15.52%
63rd
Problem loans0.04%
66th
Net charge-offs0.00%
58th
Return on assets1.12%
57th
Net interest margin4.99%
87th
Efficiency ratio65.9%
61st
Loans to deposits110.2%
3rd
Uninsured deposits22.9%
24th
Loan-loss reserves0.29%
5th
Texas ratio0.2%
68th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of BeardenBank Bearden, AR83 out of 100, Strong$67.4M11.3%0.00%vs
Community State BankBank Bradley, AR69 out of 100, Moderate$89.8M10.0%0.00%vs
Bank of Lake VillageBank Lake Village, AR82 out of 100, Strong$90.6M16.1%1.00%vs
The Merchants & Planters BankBank Clarendon, AR72 out of 100, Strong$51.3M11.3%0.21%vs

Deposit insurance

Is my money safe at Riverside Bank?

Yes. Riverside Bank is an FDIC-insured institution (FDIC certificate #93). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($13.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.52% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Riverside Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Riverside Bank
Former names
Merchants & Planters Bank
Type
State-chartered bank
FDIC certificate #
93
RSSD ID
977045
Primary regulator
FDIC
Holding company
Oak Tree Financial Corp Inc
Established
January 1, 1916
Headquarters
103 W Main St, Sparkman, AR 71763
Employees
12

Quick answers

Riverside Bank: common questions

Is Riverside Bank FDIC insured?

Yes. Riverside Bank is an FDIC-insured institution (FDIC certificate #93). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Riverside Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Riverside Bank ever failed?

There is no failure record for FDIC certificate #93 in the FDIC failed bank list.

How many branches does Riverside Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sparkman

InstitutionScoreAssetsCapitalProblem loansCompare
Patterson Federal Credit UnionCredit union Arkadelphia, AR96 out of 100, Very strong$38.0M17.5%0.08%vs
Bank of DelightBank Delight, AR86 out of 100, Very strong$201.0M13.4%0.29%vs
Bank of BeardenBank Bearden, AR83 out of 100, Strong$67.4M11.3%0.00%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs