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Riverwind Bank

Augusta, AR · Cert 15035 · Riverwind Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 under $1B in assets operating in a single state (n=743 to 746). 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

2

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

35

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

Riverwind Bank

Augusta, AR · Cert 15035 · Riverwind Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$167.8MAssets
$110.5MLoans
$153.0MDeposits
$10.6MEquity
Loan mix
88%RE $91.8M9%C&I $9.8M2%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $119.7M22%Noninterest $33.3MQ2 2025Q2 2026

NIM

4.85%Q2 ’245.51%Q2 ’255.39%Q2 ’26+19%-1%

Non-interest income vs. expense

2.70%Q2 ’243.06%Q2 ’252.72%Q2 ’26+18%-12%

Executive Summary

  • Earnings: ROA of 0.81%, up 18 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.16% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.09%, down 71 bps from a year ago.
  • Funding: loans stand at 72.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-2 bps YoY

Efficiency Ratio (YTD, annualized)

70.86%-777 bps YoY

Tier 1 Leverage Ratio

9.09%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.61%0.70%0.77%0.81%+18 bps
Return on Equity11.37%10.90%12.39%12.94%13.24%+187 bps
Net Interest Margin3.46%3.30%3.17%3.42%3.44%-2 bps
Efficiency Ratio78.63%78.66%76.78%71.79%70.86%-777 bps
Non-Interest Burden2.63%2.51%2.34%2.34%2.32%-31 bps
Growth
Asset Growth (YoY)0.93%17.89%14.63%13.55%14.00%+1,308 bps
Loan Growth (YoY)12.22%13.06%11.08%10.55%10.40%-182 bps
Deposit Growth (YoY)2.71%21.92%18.45%13.43%13.47%+1,076 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.64%0.24%0.18%0.16%+2 bps
Net Charge-Offs / Loans0.07%0.01%0.01%0.03%0.01%-5 bps
Allowance / Loans1.23%1.22%1.26%1.23%1.25%+2 bps
Allowance Coverage of NPLs8.8x1.9x5.1x7.0x7.7x-1.0x
Capital
Tier 1 Leverage Ratio9.80%9.39%8.89%9.10%9.09%-71 bps
Total Risk-Based Capital9.80%9.39%8.89%9.10%9.09%-71 bps
Equity / Assets5.69%5.71%5.98%5.94%6.33%+64 bps
Liquidity & Funding
Loans / Deposits74.23%67.86%67.62%70.65%72.22%-201 bps
Liquid Assets / Assets0.44%0.39%0.39%0.39%0.24%-20 bps
CRE / Total Capitaln/a277%279%275%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

Riverwind Bank

Augusta, AR · Cert 15035 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riverwind Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$167.8MAssets
$110.5MLoans
$153.0MDeposits
$10.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 69% of banks under $1B in assets operating in a single state (rank 231 of 743).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 736 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.80%

Rank 518 of 746

Net Interest Margin

3.44%

Rank 471 of 746

Efficiency Ratio

70.86%

Rank 485 of 746

Equity / Assets

6.33%

Rank 723 of 746

Non-interest income vs. expense

$0.7M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 35% of banks under $1B in assets operating in a single state
Bank 70.86%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.72%1.06%1.45%Beats 31%518 / 746
Return on Equity12.70%6.74%10.51%13.63%Beats 68%238 / 746
Net Interest Margin3.44%3.17%3.68%4.16%Beats 37%471 / 746
Efficiency Ratio70.86%55.74%64.58%75.47%Beats 35%485 / 746
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.42%1.07%Beats 69%231 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 50%376 / 743
Capital
Tier 1 Capital Ratio9.09%11.55%13.75%17.60%Beats 1%736 / 746
Total Risk-Based Capital Ratio9.09%11.71%14.33%18.43%Beats 1%736 / 746
Equity / Assets6.33%8.90%10.51%13.06%Beats 3%723 / 746
Liquidity & Funding
Loans / Deposits72.22%61.31%78.27%90.78%39th pctl455 / 746
Loans / Assets65.85%53.60%66.97%76.08%47th pctl396 / 746
Brokered Deposits / Depositsn/aNot reported for this institution