Lewistown, MO · Cert 12214 · River Valley Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.00% | 1.40% | 1.47% | 1.74% | 1.69% | 1.62% | 1.30% | -17 bps | |
| Return on Equity | 17.78% | 11.08% | 15.52% | 15.80% | 18.14% | 17.21% | 16.05% | 12.70% | -309 bps | |
| Net Interest Margin | 3.66% | 3.80% | 3.91% | 4.11% | 4.16% | 4.28% | 4.20% | 4.15% | +4 bps | |
| Efficiency Ratio | 50.30% | 61.35% | 53.66% | 54.28% | 48.60% | 51.89% | 53.62% | 61.72% | +745 bps | |
| Non-Interest Burden | 1.64% | 2.29% | 2.00% | 2.14% | 1.94% | 2.14% | 2.16% | 2.50% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.25% | 1.75% | 2.76% | 4.50% | 7.82% | 3.70% | 3.31% | 3.65% | -85 bps | |
| Loan Growth (YoY) | 3.21% | 3.83% | 2.39% | 1.71% | 3.25% | 5.13% | 4.53% | 6.88% | +518 bps | |
| Deposit Growth (YoY) | 0.70% | 1.21% | 2.13% | 3.76% | 7.11% | 2.36% | 2.04% | 2.49% | -128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.26% | 0.07% | 0.07% | 0.07% | 0.08% | 0.07% | -1 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.15% | -0.03% | 0.03% | -0.03% | 0.03% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.37% | 1.40% | 1.46% | 1.48% | 1.46% | 1.42% | 1.43% | 1.39% | -8 bps | |
| Allowance Coverage of NPLs | 11.2x | 16.4x | 5.5x | 20.3x | 21.2x | 19.3x | 17.6x | 20.9x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.39% | 9.54% | 9.66% | 9.84% | 9.99% | 10.34% | 10.50% | +84 bps | |
| Total Risk-Based Capital | 13.51% | 13.32% | 13.96% | 14.52% | 14.59% | 13.93% | 14.91% | 15.10% | +58 bps | |
| Equity / Assets | 9.15% | 8.96% | 9.14% | 9.48% | 9.69% | 9.99% | 10.14% | 10.36% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.20% | 84.92% | 82.67% | 83.62% | 83.10% | 87.22% | 84.69% | 87.21% | +359 bps | |
| Liquid Assets / Assets | 10.25% | 10.87% | 11.50% | 13.52% | 10.86% | 7.16% | 8.96% | 7.98% | -554 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 81.06% | 89.20% | 83.38% | n/a | n/a | |