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Riverside Savings Bank, SSB
Roanoke Rapids, NC · FDIC Certificate #28314 · Chartered 01/0
Total assets
$94.55M
Total deposits
$72.50M
Total equity
$16.27M
Net loans
$58.95M
Branches (offices)
1
Net income (YTD)
$217.00K
Rank: #3,718 of 4,213 U.S. banks by assets · #32 of 38 in North Carolina. Assets changed 2.1% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.46% |
| Return on equity | 2.71% |
| Net interest margin (YTD) | 3.25% |
| Equity to assets | 17.21% |
| Tier 1 leverage ratio | 18.78% |
| Uninsured deposits (share of deposits) | 11.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 81.3% |
| Real estate loans (share of loans) | 99.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.47M | 99.2% | |
| Commercial & industrial | $765.00K | 1.3% | |
| Consumer / individual | $331.00K | 0.6% | |
| Construction & development | $9.24M | 15.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $96.77M | $71.45M | $168.00K | $19.48M |
| Jun 2023 | $93.95M | $68.61M | -$14.00K | $19.48M |
| Jun 2024 | $94.19M | $73.31M | $33.00K | $15.72M |
| Jun 2025 | $92.57M | $71.74M | $128.00K | $15.07M |
| Jun 2026 | $94.55M | $72.50M | $217.00K | $16.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $72.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $72.50M.
Similar-sized banks
First State Bank Of Harvey ($94.59M) · First Security Bank Of Roundup ($94.53M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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