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Five Rivers Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 35 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 3,382 |
| Cost of funding earning assets | 0.0000% | 4,354 |
| Net interest margin | 4.8737% | 403 |
| Noninterest income to average assets | 0.0000% | 4,367 |
| Noninterest expense to average assets | 11.0829% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 3,062 |
| Net operating income to assets | -6.4038% | 4,401 |
| Return on assets (ROA) | -6.4038% | 4,439 |
| Pretax return on assets | -6.3974% | 4,437 |
| Return on Equity (ROE) | -6.5700% | 4,323 |
| Retained earnings to average equity (ytd only) | -6.5700% | 4,254 |
| Net charge-offs to loans | 0.0000% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,216 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,669 |
| Efficiency ratio | 236.5359% | 23 |
| Assets per employee ($millions) | 2.4265% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,783 |
| Net loans and leases to total assets | 0.0000% | 4,315 |
| Net loans and leases to deposits | 0.0000% | 4,357 |
| Net loans and leases to core deposits | 0.0000% | 4,335 |
| Total domestic deposits to total assets | 0.0000% | 4,370 |
| Equity capital to assets | 97.4702% | 12 |
| Core capital (leverage) ratio | 96.7525% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,709 |
| Memoranda: | ||
| Average total assets | $31,544,000 | 4,296 |
| Average earning assets | $30,326,000 | 4,296 |
| Average equity | $30,746,000 | 2,395 |
| Average total loans | $0 | 4,321 |