Stoddard, WI · Cert 14995 · River Holding Co.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 10.5% share · #2 of 24 inst. · $0.5B of $4.9B
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 | 0.42% | 0.33% | 0.59% | 0.65% | 0.84% | 1.20% | 0.67% | 1.15% | +50 bps | |
| Return on Equity | 3.93% | 3.10% | 5.42% | 5.76% | 7.24% | 10.30% | 5.80% | 9.65% | +389 bps | |
| Net Interest Margin | 1.84% | 1.93% | 1.96% | 2.20% | 2.36% | 2.68% | 2.76% | 2.88% | +68 bps | |
| Efficiency Ratio | 67.22% | 64.57% | 64.20% | 56.90% | 57.23% | 52.38% | 47.78% | 48.01% | -889 bps | |
| Non-Interest Burden | 1.22% | 1.21% | 1.22% | 1.22% | 1.31% | 1.36% | 1.26% | 1.32% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.06% | -5.72% | -3.99% | -2.37% | -0.16% | 3.38% | 3.83% | 1.21% | +358 bps | |
| Loan Growth (YoY) | -4.20% | -4.52% | -3.56% | -1.28% | -0.35% | 2.23% | 3.07% | 2.10% | +338 bps | |
| Deposit Growth (YoY) | -4.59% | -5.05% | -1.87% | -0.15% | 2.98% | 6.13% | 5.75% | 1.74% | +188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.28% | 0.28% | 0.24% | 0.24% | 0.27% | 0.21% | 0.16% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.23% | 1.21% | 1.21% | 1.14% | 1.34% | 1.36% | +15 bps | |
| Allowance Coverage of NPLs | 5.2x | 4.4x | 4.4x | 5.0x | 5.0x | 4.2x | 6.5x | 8.4x | +3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.84% | 11.05% | 11.37% | 11.50% | 11.75% | 11.62% | 12.02% | +65 bps | |
| Total Risk-Based Capital | 14.21% | 14.62% | 15.08% | 15.03% | 15.19% | 15.37% | 15.56% | 15.64% | +61 bps | |
| Equity / Assets | 10.82% | 10.74% | 11.18% | 11.41% | 11.68% | 11.64% | 11.62% | 12.25% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.77% | 112.06% | 109.44% | 112.46% | 111.06% | 107.95% | 106.66% | 112.86% | +40 bps | |
| Liquid Assets / Assets | 5.87% | 6.98% | 8.63% | 6.44% | 6.47% | 8.68% | 9.38% | 4.77% | -166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 586% | 578% | 579% | n/a | n/a | |