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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

6.04%Q2 ’246.24%Q2 ’256.00%Q2 ’26+15%+1%

Non-interest income vs. expense

2.31%Q2 ’242.45%Q2 ’252.79%Q2 ’26+6%+17%

Executive Summary

  • Earnings: ROA of 1.30%, down 17 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 (quarter, annualized)

1.30%-17 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+4 bps YoY

Efficiency Ratio (quarter, annualized)

61.72%+745 bps YoY

Tier 1 Leverage Ratio

10.50%+84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.74%1.69%1.62%1.30%-17 bps
Return on Equity15.80%18.14%17.21%16.05%12.70%-309 bps
Net Interest Margin4.11%4.16%4.28%4.20%4.15%+4 bps
Efficiency Ratio54.28%48.60%51.89%53.62%61.72%+745 bps
Non-Interest Burden2.14%1.94%2.14%2.16%2.50%+36 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 / Loans0.03%-0.03%0.03%0.01%0.00%-3 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