Bank · FDIC insured
Riverside Savings Bank
A $94.6M bank headquartered in Roanoke Rapids, NC, with 1 branch in North Carolina. Best rates: CDs 3.61% and savings 1.01% APY.
Riverside Savings Bank Carrot Score
74
Carrot Score
Higher than 35% of U.S. banks and credit unions
#5 of 7 in Roanoke Rapids, NC metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Riverside Savings Bank
Founded in 1914 as Roanoke Rapids Building and Loan, Riverside Savings Bank is a mutual chartered bank headquartered on Becker Drive in Roanoke Rapids, North Carolina.
After converting to a State Savings Bank in 1992, the institution merged with Roanoke Valley Savings Bank in 2018 and officially adopted the Riverside Savings Bank name in 2022.
Originally established to house the community, residential mortgage lending remains its predominant business across Eastern North Carolina and Southside Virginia.
- Headquarters
- 325 Becker Dr, Roanoke Rapids, NC 27870
- FDIC certificate
- 28314 ↗
Branches
1 branch in North Carolina
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North Carolina
1 branch
- Riverside Savings Bank, SSBMain office325 Becker Dr, Roanoke Rapids, NC 27870Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 18.78% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.46% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $82 | $67 | — |
- CapitalLeverage ratio18.78%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.46%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$82Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Riverside Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.