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Incrediblebank

Wausau, WI · Cert 19772 · River Valley Bcorp Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 operating regionally (n=178). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

40

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 2026-10-10

Incrediblebank

Wausau, WI · Cert 19772 · River Valley Bcorp Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$162.2MEquity
Loan mix
55%RE $835.0M37%C&I $568.3M8%Consumer $115.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.4B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.31%Q2 ’245.47%Q2 ’255.50%Q2 ’26+14%+8%

Non-interest income vs. expense

2.68%Q2 ’242.74%Q2 ’252.69%Q2 ’26+8%-2%

Market Position · Wausau, WI · 2026 SOD (annual) · 12.1% share · #3 of 17 inst. · $0.6B of $5.4B

12.1% Marathon
15.3% Marquette
33.0% Lincoln
16.3% Oneida

Executive Summary

  • Earnings: ROA of 1.06%, up 18 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.89% of loans (-2 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 8.30%, up 43 bps from a year ago.
  • Funding: loans stand at 89.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+26 bps YoY

Efficiency Ratio (YTD, annualized)

63.02%-507 bps YoY

Tier 1 Leverage Ratio

8.30%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.93%1.01%1.00%1.06%+18 bps
Return on Equity12.60%13.15%14.08%13.20%13.87%+127 bps
Net Interest Margin3.36%3.44%3.51%3.60%3.62%+26 bps
Efficiency Ratio68.10%66.70%65.56%64.30%63.02%-507 bps
Non-Interest Burden2.05%2.05%2.05%2.06%2.02%-3 bps
Growth
Asset Growth (YoY)3.24%0.14%3.64%3.28%2.97%-27 bps
Loan Growth (YoY)2.68%-0.36%3.68%3.19%5.62%+294 bps
Deposit Growth (YoY)3.05%0.07%-0.03%-1.04%-0.23%-328 bps
Asset Quality
Nonperforming Loans / Loans0.91%0.87%0.66%1.00%0.89%-2 bps
Net Charge-Offs / Loans0.82%0.59%0.50%0.02%0.11%-71 bps
Allowance / Loans1.02%1.10%1.01%1.10%1.07%+5 bps
Allowance Coverage of NPLs1.1x1.3x1.5x1.1x1.2x+0.1x
Capital
Tier 1 Leverage Ratio7.87%7.98%8.15%8.19%8.30%+43 bps
Total Risk-Based Capital10.95%11.56%11.34%11.64%11.41%+46 bps
Equity / Assets7.02%7.49%7.52%7.67%7.71%+69 bps
Liquidity & Funding
Loans / Deposits84.94%85.48%88.73%86.41%89.92%+498 bps
Liquid Assets / Assets0.99%0.85%1.40%1.73%0.65%-33 bps
CRE / Total Capitaln/a366%370%358%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 2026-10-10

Incrediblebank

Wausau, WI · Cert 19772 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · River Valley Bcorp Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$162.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 66% of banks $1B-$10B in assets operating regionally (rank 61 of 178).
  • Widest gap: equity / assets trails 93% of banks $1B-$10B in assets operating regionally (rank 165 of 178).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.05%

Rank 120 of 178

Net Interest Margin

3.62%

Rank 82 of 178

Efficiency Ratio

63.02%

Rank 108 of 178

Equity / Assets

7.71%

Rank 165 of 178

Non-interest income vs. expense

$13.9M$55.9MINCOMEEXPENSE
Unfavorable gap of $42.0M · efficiency ratio beats 40% of banks $1B-$10B in assets operating regionally
Bank 63.02%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.91%1.25%1.53%Beats 33%120 / 178
Return on Equity13.58%9.18%11.89%14.44%Beats 66%61 / 178
Net Interest Margin3.62%3.22%3.56%3.91%Beats 54%82 / 178
Efficiency Ratio63.02%52.04%58.90%67.10%Beats 40%108 / 178
Asset Quality
Nonperforming Loans / Loans0.89%0.29%0.60%1.26%Beats 35%116 / 178
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 35%116 / 178
Capital
Tier 1 Capital Ratio10.32%11.19%12.72%14.14%Beats 9%162 / 178
Total Risk-Based Capital Ratio11.41%11.91%13.63%15.33%Beats 17%147 / 178
Equity / Assets7.71%9.12%10.35%11.80%Beats 7%165 / 178
Liquidity & Funding
Loans / Deposits89.92%80.94%89.92%97.12%50th pctl89 / 178
Loans / Assets76.07%69.25%75.52%80.96%52nd pctl85 / 178
Brokered Deposits / Depositsn/aNot reported for this institution