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United State Bank

Lewistown, MO · Cert 12214 · River Valley Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

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 in MO (n=82 to 83). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

51

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

United State Bank

Lewistown, MO · Cert 12214 · River Valley Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$290.1MAssets
$225.3MLoans
$258.4MDeposits
$30.1MEquity
Loan mix
87%RE $172.3M12%C&I $23.3M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $225.2M13%Noninterest $33.2MQ2 2025Q2 2026

NIM

5.85%Q2 ’246.07%Q2 ’255.97%Q2 ’26+13%+5%

Non-interest income vs. expense

2.28%Q2 ’242.37%Q2 ’252.61%Q2 ’26+4%+13%

Executive Summary

  • Earnings: ROA of 1.46%, up 2 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.07% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.50%, up 84 bps from a year ago.
  • Funding: loans stand at 87.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+19 bps YoY

Efficiency Ratio (YTD, annualized)

57.66%+368 bps YoY

Tier 1 Leverage Ratio

10.50%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.54%1.59%1.62%1.46%+2 bps
Return on Equity15.65%16.49%16.77%16.05%14.35%-130 bps
Net Interest Margin3.97%3.96%4.05%4.20%4.15%+19 bps
Efficiency Ratio53.98%52.12%52.06%53.62%57.66%+368 bps
Non-Interest Burden2.05%1.98%2.02%2.16%2.31%+27 bps
Growth
Asset Growth (YoY)4.50%7.82%3.70%3.31%3.65%-85 bps
Loan Growth (YoY)1.71%3.25%5.13%4.53%6.88%+518 bps
Deposit Growth (YoY)3.76%7.11%2.36%2.04%2.49%-128 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.07%0.07%0.08%0.07%-1 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.01%0.00%+1 bps
Allowance / Loans1.48%1.46%1.42%1.43%1.39%-8 bps
Allowance Coverage of NPLs20.3x21.2x19.3x17.6x20.9x+0.6x
Capital
Tier 1 Leverage Ratio9.66%9.84%9.99%10.34%10.50%+84 bps
Total Risk-Based Capital14.52%14.59%13.93%14.91%15.10%+58 bps
Equity / Assets9.48%9.69%9.99%10.14%10.36%+88 bps
Liquidity & Funding
Loans / Deposits83.62%83.10%87.22%84.69%87.21%+359 bps
Liquid Assets / Assets13.52%10.86%7.16%8.96%7.98%-554 bps
CRE / Total Capitaln/a81.06%89.20%83.38%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

United State Bank

Lewistown, MO · Cert 12214 · Peer group: banks under $1B in assets in MO (n=82-83) · River Valley Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$290.1MAssets
$225.3MLoans
$258.4MDeposits
$30.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets in MO (rank 19 of 82).
  • Widest gap: equity / assets trails 54% of banks under $1B in assets in MO (rank 45 of 83).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.45%

Rank 33 of 83

Net Interest Margin

4.15%

Rank 22 of 83

Efficiency Ratio

58.83%

Rank 42 of 83

Equity / Assets

10.36%

Rank 45 of 83

Non-interest income vs. expense

$0.9M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 51% of banks under $1B in assets in MO
Bank 58.83%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.96%1.32%1.75%Beats 60%33 / 83
Return on Equity13.96%9.66%12.96%15.76%Beats 63%31 / 83
Net Interest Margin4.15%3.35%3.85%4.16%Beats 73%22 / 83
Efficiency Ratio58.83%49.83%58.83%68.51%Beats 51%42 / 83
Asset Quality
Nonperforming Loans / Loans0.07%0.08%0.51%1.01%Beats 78%19 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 70%26 / 82
Capital
Tier 1 Capital Ratio13.85%11.01%12.49%14.98%Beats 63%31 / 83
Total Risk-Based Capital Ratio15.10%11.13%13.01%15.10%Beats 75%21 / 83
Equity / Assets10.36%8.83%10.71%13.29%Beats 46%45 / 83
Liquidity & Funding
Loans / Deposits87.21%69.28%83.22%91.21%61st pctl32 / 82
Loans / Assets77.66%59.34%71.15%78.36%69th pctl26 / 83
Brokered Deposits / Depositsn/aNot reported for this institution