FDIC Cert #17639 · Fremont, Nebraska · Est. 1956

RVR Bank - FDIC Bank Health Profile

A community-scale look at RVR Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$557M
Total assets
B
Health grade · Good
1.74%
Return on assets
9.5%
Tier 1 capital

Data updated July 2026

The verdict

RVR Bank earns a PlainBankData health grade of B (71/100), with 9.55% Tier 1 capital, profitable at 1.74% ROA, 61% efficiency ratio.

#1,657
largest of 4,313 FDIC banks by assets
62nd
percentile by asset size, nationally
9.55%
Tier 1 ratio - below the 10% well-capitalized line
84th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17639 · NE B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2923/4307
  • PHOTO-FINISH Community State Bank · IA
  • TIER1-ADEQ 9.5% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-STRONG 1.74% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Community State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around RVR Bank

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community State Bank · IA · …71/100Dime Bank · CT · near71/100RVR Bank · NE · this bank71/100The Warrington Bank · FL · n…71/100The Watkins Savings… · IA · …71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around RVR Bank · July 2026

What RVR Bank's Call Report plate shows

RVR Bank (FDIC Cert #17639) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,923 of 4,307. Tier 1 capital prints at 9.55%, missing the 10% well-capitalized line. The Texas Ratio is 0.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.74%. Balance-sheet scale is $557M, 1,657th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around RVR Bank

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

RVR Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; RVR Bank remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How RVR Bank's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
RVR Bank's composite health score
Tier 1 Capital Ratio (9.55%) 18/40
Return on Assets (ROA) (1.74%) 25/25
Texas Ratio (0.66%) 20/20
Efficiency Ratio (60.81%) 8/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$557M

Total balance-sheet footings

Total Deposits

$495M

Customer-funded liabilities

Net Loans

$424M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.15% 9.55% 10.95%
Basel III capital ratios - RVR Bank

Where RVR Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. RVR Bank's score of 71/100 falls in the highlighted band.

RVR Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. RVR Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

RVR Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). RVR Bank's $557M falls in the highlighted band.

Safety ratios for RVR Bank

Tier 1 capital ratio
Well-capitalized 10%

9.55% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.55%
Texas Ratio
0.66%
Equity Capital
$58M

What these ratios mean →

Earnings posture at RVR Bank

Return on Assets (ROA)
84th percentile nationally
1.74%
Return on Equity (ROE)
17.20%
Efficiency Ratio
60.81%

What these mean →

Income & expense at RVR Bank

$31M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. RVR Bank reports a Texas Ratio of 0.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View RVR Bank on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($557M here), outside Nebraska so the neighborhood is not state containment.

The National Bank of Middlebury $557M · VT Commercial Capital Bank $556M · LA First Security Bank and Trust Company $558M · IA Spring Bank $558M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) RVR Bank (FDIC Cert #17639) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

RVR Bank Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%