At a glance
From its website, read 2 Nov 2026RiverBank is a bank or thrift based in Pocahontas, Arkansas. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.eriverbank.com |
| Office (official list) | P.O. Box 397, Pocahontas, AR 72455 |
What their website says about applying
Before starting your loan application, we recommend having the following information ready:
sourceFinancial Statements: ex. Tax Returns, W2s, etc
sourcePlease fill out the fields in the form to the right. One of our representatives will contact you within one business day to complete the process.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Mar 2025 |
| RSSD ID | 29476 |
| Address | P.O. Box 397, Pocahontas, AR 72455 Directions to the main office (Google Maps) |
| Website | www.eriverbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts, service area or borrower focus were stated on the pages, and the business loan page does not name its business lines of credit clearly. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto Loans | source |
| Commercial real estate loans | — | Offerings include: commercial real estate purchases or acquisitions, commercial construction and development | source |
| Equipment loans | — | Equipment and Inventory Loans | source |
| Home mortgages | — | We are here to assist you with all of the decisions and procedures that come along with your mortgage loan. | source |
| Personal / consumer loans | — | Other Consumer Loan | source |
| Small-business loans | — | As an active commercial lender, RiverBank offers an array of credit products and services designed to help your business succeed. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start your application today!
source
Pages read (7)
- https://www.eriverbank.com/
- https://www.eriverbank.com/home-loans
- https://www.eriverbank.com/personal-loans
- https://www.eriverbank.com/business-loans
- https://www.eriverbank.com/lending-services-folder-page
- https://www.eriverbank.com/home-loan-contact-request-form
- https://www.eriverbank.com/business-loan-information-request
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as RiverBank (FDIC cert 31711). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $174.4 million (as of 30 Jun 2026) |
|---|---|
| Offices | 4 (as of 30 Oct 2026) |
Offices by state and county (4)
Arkansas (4 offices)
- Clay County (1): 309 S Missouri Ave, Corning 72422
- Greene County (1): 1401 W Court St, Paragould 72450
- Randolph County (2): 203 W Broadway St, Pocahontas 72455 (main office); 1700 Old County Rd, Pocahontas 72455
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by RiverBank (RSSD 29476, FDIC cert 31711). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $136.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 14.2% from $119.3 million on 30 Jun 2025 |
| Total assets | $174.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $13.2 million | 9.6% |
| Commercial real estate, construction and multifamily | $28.4 million | 20.8% |
| Commercial and industrial (business) loans | $13.7 million | 10.1% |
| Farmland and farm production loans | $79.7 million | 58.4% |
| Consumer loans (credit cards, auto, other) | $1.4 million | 1.0% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $625,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 4 loans $247,000 | 78 loans $2.3 million |
| $100,001 to $250,000 | 3 loans $422,000 | 16 loans $1.6 million |
| $250,001 to $1 million | 6 loans $2.6 million | 13 loans $7 million |
| All small business loans | 13 loans $3.2 million | 107 loans $10.9 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 10 loans $614,000 | 16 loans $531,000 |
| $100,001 to $250,000 | 28 loans $3.3 million | 6 loans $816,000 |
| $250,001 to $500,000 | 16 loans $4.6 million | 11 loans $2.8 million |
| All small farm loans | 54 loans $8.5 million | 33 loans $4.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $75,000 (23 loans) | All 7(a) lenders in Arkansas: $229,400. Larger than the median loan of 9% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 11 → 8 | Rank among the 6 certified CDFIs in Arkansas with SBA approvals in either period: 4 → 4. |
| Total assets (Call Report, 30 Jun 2026) | $174.4 million | Larger than 20% of the 25 other certified banks and bank holding companies in Arkansas (median $296.6 million). |
| Loans as a share of assets | 78% | Median of the same 25 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $119.3 million → $136.3 million (+14%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 21 → 21. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 9% |
| SBA approvals then vs now | certified CDFIs in Arkansas with SBA approvals FY2023–2026 | 5 | rank 4 → 4 of 6 |
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 20% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 21 → 21 of 26 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 23 SBA-backed approvals for RiverBank in fiscal years 2020–2026 (October 2019 to September 2026):
- 23 7(a) loans as the lender: $8.1M in total (gross amount approved), median $75,000
By fiscal year: FY2020 1 · FY2021 1 · FY2022 2 · FY2023 2 · FY2024 9 · FY2025 6 · FY2026 2.
What actually happened
- Size of its 7(a) loans: half were between $35,000 and $337,500, median $75,000 (23 loans)
- Term of its 7(a) loans: median 60 months (5 years) (23 loans)
- Fixed or variable: 56% of its 7(a) loans had a fixed rate (23 loans)
- Young businesses: 48% of its 7(a) loans went to a startup or a business two years old or less (23 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (20, 87%)
- 7(a) standard (3, 13%)
Borrower industries
NAICS sector, 3 or more loans.
- Agriculture, forestry, fishing and hunting (10)
- Accommodation and food services (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Randolph County, AR (15)
- Lawrence County, AR (4)
How this lender was matched in the SBA files: FDIC cert 31711, found through the RSSD ID on the CDFI Fund list (SBA lists “RiverBank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. RiverBank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Pocahontas and Arkansas
- Bank of Lake VillageBank or thrift · Lake Village, ARAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Communities Unlimited, Inc.Loan fund · Fayetteville, ARAgriculture / farm loans, Home repair / improvement loans, Small-business loansVerified
- Connect BankBank or thrift · Star City, ARCommercial real estate loans, Equipment loans, Personal / consumer loans, Small-business loansVerified
- Cotton Belt FCUCredit union · Pine Bluff, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- FBT Bancshares, Inc.Bank holding company · Fordyce, ARAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
Work at RiverBank? Link to this page
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