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Riverstone Bank

Eagle, NE · Cert 10641 · Tri Valley Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Riverstone Bank

Eagle, NE · Cert 10641 · Tri Valley Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$593.4MAssets
$514.2MLoans
$506.0MDeposits
$56.4MEquity
Loan mix
83%RE $383.3M15%C&I $70.6M1%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $398.9M21%Noninterest $107.1MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.86%Q2 ’256.06%Q2 ’26+16%+6%

Non-interest income vs. expense

2.60%Q2 ’242.47%Q2 ’252.53%Q2 ’26+2%0%

Market Position · Cheyenne, WY · 2026 SOD (annual) · 9.7% share · #4 of 19 inst. · $0.3B of $3.2B

9.7% Laramie
11.7% Cass
2.9% Scotts Bluff
4.2% Albany

Executive Summary

  • Earnings: ROA of 1.55%, up 18 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.05% of loans (+4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.74%, down 6 bps from a year ago.
  • Funding: loans stand at 101.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+22 bps YoY

Efficiency Ratio (YTD, annualized)

55.79%-213 bps YoY

Tier 1 Leverage Ratio

9.74%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.42%1.44%1.55%1.55%+18 bps
Return on Equity13.81%14.32%14.48%16.10%16.11%+230 bps
Net Interest Margin3.95%3.93%4.09%4.21%4.17%+22 bps
Efficiency Ratio57.92%57.07%57.42%54.99%55.79%-213 bps
Non-Interest Burden2.19%2.12%2.22%2.14%2.18%0 bps
Growth
Asset Growth (YoY)4.59%5.83%9.43%12.57%9.42%+482 bps
Loan Growth (YoY)11.74%9.58%10.96%14.81%15.00%+326 bps
Deposit Growth (YoY)1.71%4.78%3.22%7.01%6.54%+482 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.09%0.05%+4 bps
Net Charge-Offs / Loans-0.04%-0.04%-0.03%0.01%0.01%+5 bps
Allowance / Loans1.34%1.32%1.27%1.23%1.23%-11 bps
Allowance Coverage of NPLs139.4x149.0x158.8x13.1x26.7x-112.7x
Capital
Tier 1 Leverage Ratio9.81%9.78%10.07%9.82%9.74%-6 bps
Total Risk-Based Capital9.81%9.78%10.07%9.82%9.74%-6 bps
Equity / Assets9.71%9.98%9.87%9.45%9.51%-20 bps
Liquidity & Funding
Loans / Deposits94.14%97.05%104.10%104.95%101.61%+748 bps
Liquid Assets / Assets0.93%0.76%0.50%2.41%0.83%-10 bps
CRE / Total Capitaln/a422%446%482%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Riverstone Bank

Eagle, NE · Cert 10641 · Peer group: banks under $1B in assets operating regionally (n=94) · Tri Valley Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$593.4MAssets
$514.2MLoans
$506.0MDeposits
$56.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 91% of banks under $1B in assets operating regionally (rank 9 of 94).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating regionally (rank 83 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.51%

Rank 20 of 94

Net Interest Margin

4.17%

Rank 25 of 94

Efficiency Ratio

55.99%

Rank 24 of 94

Equity / Assets

9.51%

Rank 64 of 94

Non-interest income vs. expense

$2.0M$14.5MINCOMEEXPENSE
Unfavorable gap of $12.6M · efficiency ratio beats 76% of banks under $1B in assets operating regionally
Bank 55.99%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%0.82%1.19%1.46%Beats 79%20 / 94
Return on Equity15.84%7.85%11.84%14.03%Beats 85%14 / 94
Net Interest Margin4.17%3.42%3.81%4.18%Beats 73%25 / 94
Efficiency Ratio55.99%55.99%62.41%73.02%Beats 76%24 / 94
Asset Quality
Nonperforming Loans / Loans0.05%0.19%0.47%1.14%Beats 91%9 / 94
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 67%32 / 94
Capital
Tier 1 Capital Ratio9.74%10.28%11.95%15.07%Beats 14%81 / 94
Total Risk-Based Capital Ratio9.74%10.31%12.59%15.88%Beats 12%83 / 94
Equity / Assets9.51%8.98%10.21%11.41%Beats 32%64 / 94
Liquidity & Funding
Loans / Deposits101.61%72.62%84.44%94.55%86th pctl13 / 94
Loans / Assets86.64%62.50%72.84%78.99%97th pctl3 / 94
Brokered Deposits / Depositsn/aNot reported for this institution