Side-by-side · Q2 2026 data
Bank Independent vs River Bank & Trust
Metric by metric
| Measure | Bank Independent | River Bank & Trust |
|---|---|---|
| TellerScore | 65 | 66 (stronger) |
| Capital cushion | 48 (stronger) | 42 |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 45 | 80 (stronger) |
| Funding & liquidity | 55 (stronger) | 49 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 36th | 40th |
| Total assets | $2.9B | $4.0B |
| Deposits / shares | $2.5B | $3.5B |
| Capital ratio | 9.82% (stronger) | 9.23% |
| Problem loans | 0.22% (stronger) | 0.48% |
| Net charge-offs | 0.24% | 0.02% (stronger) |
| Return on assets | 0.63% | 1.49% (stronger) |
| Loans ÷ deposits | 74.4% (stronger) | 80.5% |
| Uninsured deposits | 42.9% (stronger) | 42.9% |
| Offices | 30 | 25 |
| CFPB complaints (3 yrs) | — | 17 |
| Complaints per $1B deposits | — | 4.8 |
| Mortgage denial rate (HMDA) | — | — |
River Bank & Trust has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank Independent leads on 4 and River Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.