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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 $2.2MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $225.2M13%Noninterest $33.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.24%1.40%1.44%1.54%1.59%1.62%1.46%+2 bps
Return on Equity15.32%14.28%15.52%15.65%16.49%16.77%16.05%14.35%-130 bps
Net Interest Margin3.56%3.60%3.91%3.97%3.96%4.05%4.20%4.15%+19 bps
Efficiency Ratio55.36%56.90%53.66%53.98%52.12%52.06%53.62%57.66%+368 bps
Non-Interest Burden1.86%1.96%2.00%2.05%1.98%2.02%2.16%2.31%+27 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 / Loans0.12%0.09%0.26%0.07%0.07%0.07%0.08%0.07%-1 bps
Net Charge-Offs / Loans0.05%0.08%-0.03%0.00%-0.01%0.00%0.01%0.00%+1 bps
Allowance / Loans1.37%1.40%1.46%1.48%1.46%1.42%1.43%1.39%-8 bps
Allowance Coverage of NPLs11.2x16.4x5.5x20.3x21.2x19.3x17.6x20.9x+0.6x
Capital
Tier 1 Leverage Ratio9.31%9.39%9.54%9.66%9.84%9.99%10.34%10.50%+84 bps
Total Risk-Based Capital13.51%13.32%13.96%14.52%14.59%13.93%14.91%15.10%+58 bps
Equity / Assets9.15%8.96%9.14%9.48%9.69%9.99%10.14%10.36%+88 bps
Liquidity & Funding
Loans / Deposits86.20%84.92%82.67%83.62%83.10%87.22%84.69%87.21%+359 bps
Liquid Assets / Assets10.25%10.87%11.50%13.52%10.86%7.16%8.96%7.98%-554 bps
CRE / Total Capitaln/an/an/an/a81.06%89.20%83.38%n/an/a