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River Bank

Stoddard, WI · Cert 14995 · River Holding Co.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

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

River Bank

Stoddard, WI · Cert 14995 · River Holding Co.

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.0BAssets
$852.9MLoans
$755.7MDeposits
$124.7MEquity
Loan mix
99%RE $819.5M1%C&I $6.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $658.0M13%Noninterest $97.7MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.41%Q2 ’254.82%Q2 ’26+19%+36%

Non-interest income vs. expense

1.37%Q2 ’241.33%Q2 ’251.41%Q2 ’26-2%+6%

Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 10.5% share · #2 of 24 inst. · $0.5B of $4.9B

11.0% La Crosse
22.7% Monroe
16.5% Vernon
3.6% Crawford

Executive Summary

  • Earnings: ROA of 0.91%, up 29 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.16% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.02%, up 65 bps from a year ago.
  • Funding: loans stand at 112.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+74 bps YoY

Efficiency Ratio (YTD, annualized)

47.90%-1,248 bps YoY

Tier 1 Leverage Ratio

12.02%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.69%0.82%0.67%0.91%+29 bps
Return on Equity5.60%6.16%7.25%5.80%7.72%+212 bps
Net Interest Margin2.10%2.18%2.30%2.76%2.84%+74 bps
Efficiency Ratio60.38%59.24%57.25%47.78%47.90%-1,248 bps
Non-Interest Burden1.23%1.25%1.27%1.26%1.30%+7 bps
Growth
Asset Growth (YoY)-2.37%-0.16%3.38%3.83%1.21%+358 bps
Loan Growth (YoY)-1.28%-0.35%2.23%3.07%2.10%+338 bps
Deposit Growth (YoY)-0.15%2.98%6.13%5.75%1.74%+188 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.24%0.27%0.21%0.16%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.21%1.21%1.14%1.34%1.36%+15 bps
Allowance Coverage of NPLs5.0x5.0x4.2x6.5x8.4x+3.4x
Capital
Tier 1 Leverage Ratio11.37%11.50%11.75%11.62%12.02%+65 bps
Total Risk-Based Capital15.03%15.19%15.37%15.56%15.64%+61 bps
Equity / Assets11.41%11.68%11.64%11.62%12.25%+84 bps
Liquidity & Funding
Loans / Deposits112.46%111.06%107.95%106.66%112.86%+40 bps
Liquid Assets / Assets6.44%6.47%8.68%9.38%4.77%-166 bps
CRE / Total Capitaln/a586%578%579%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

River Bank

Stoddard, WI · Cert 14995 · Peer group: banks $1B-$10B in assets (n=322-328) · River Holding Co.

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.0BAssets
$852.9MLoans
$755.7MDeposits
$124.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
  • Widest gap: net interest margin trails 84% of banks $1B-$10B in assets (rank 275 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.93%

Rank 242 of 328

Net Interest Margin

2.84%

Rank 275 of 328

Efficiency Ratio

48.16%

Rank 53 of 328

Equity / Assets

12.25%

Rank 72 of 328

Non-interest income vs. expense

$1.1M$14.6MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 84% of banks $1B-$10B in assets
Bank 48.16%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.91%1.22%1.52%Beats 26%242 / 328
Return on Equity7.61%8.43%11.45%14.43%Beats 18%268 / 328
Net Interest Margin2.84%3.03%3.45%3.83%Beats 16%275 / 328
Efficiency Ratio48.16%51.61%59.56%67.53%Beats 84%53 / 328
Asset Quality
Nonperforming Loans / Loans0.16%0.24%0.51%1.03%Beats 81%62 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio14.39%11.75%13.15%15.47%Beats 66%111 / 328
Total Risk-Based Capital Ratio15.64%12.63%14.15%16.46%Beats 69%101 / 328
Equity / Assets12.25%9.15%10.33%12.01%Beats 78%72 / 328
Liquidity & Funding
Loans / Deposits112.86%76.63%87.92%95.36%96th pctl13 / 323
Loans / Assets83.72%65.18%74.15%79.98%87th pctl43 / 328
Brokered Deposits / Depositsn/aNot reported for this institution