Applications / Mortgage Analytics / Lenders / Nebraska / Riverstone Bank
Eagle, NE · State non-member bank · FDIC · $553 million assets · 57 loans in 2025
Riverstone Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
57
loans originated, 2025
68
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Riverstone Bank, of Eagle, Nebraska, lends far more in poorer and majority-minority neighborhoods than similar banks, though its lending has shrunk every year since it first reported in 2022.
Low- and moderate-income neighborhoods took 42.1% of its loans in 2025, against 18.6% at similar banks (banks of the same type making between half and twice as many loans), more than at nine in ten. Majority-minority neighborhoods took 36.8%, against 6.5%. Half its borrowers had low or moderate incomes, against 27.1%. All three shares rose sharply from 2024, and on 57 loans a few loans can swing them, so one year is not yet a pattern.
It made 100 loans in 2022, 77 in 2023, 63 in 2024 and 57 in 2025. The fall of 10% in 2025 came while similar banks grew 7%, slower growth than at about three in four. Yet the money it lent doubled, from $15.3 million to $30.7 million. Purchase loans were 54.4% of its lending and refinancings 31.6%.
Its share fell from 0.3% to 0.1% in Cheyenne and from 0.2% to 0.0% in Lincoln. In Omaha, its largest market, it ranked 205 of 417 lenders. With so few loans, a handful either way moves these shares. Its 2021 merger with First State Bank counts in its market figures.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Riverstone Bank took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.4% · Refinance 31.6% · Other 10.5% · Home improvement 3.5%
Conventional 100.0% · of 57 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 15 | 26.3% |
| Wyoming | 4 | 7.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 13 |
| Cheyenne | 4 |
| Lincoln | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AH6CHRCS9EMF95 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 388557 | 2022–2023 |
Established 1 September 1884. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Riverstone Bank's data.
Riverstone Bank's data
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Riverstone Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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