Wausau, WI · Cert 19772 · River Valley Bcorp Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 12.1% share · #3 of 17 inst. · $0.6B of $5.4B
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 | 0.46% | 0.92% | 0.76% | 1.00% | 1.03% | 1.25% | 1.00% | 1.12% | +12 bps | |
| Return on Equity | 6.53% | 13.06% | 10.94% | 14.21% | 14.26% | 16.69% | 13.20% | 14.56% | +35 bps | |
| Net Interest Margin | 3.13% | 3.18% | 3.26% | 3.50% | 3.61% | 3.70% | 3.60% | 3.65% | +15 bps | |
| Efficiency Ratio | 68.78% | 67.59% | 72.67% | 63.93% | 64.07% | 62.34% | 64.30% | 61.76% | -217 bps | |
| Non-Interest Burden | 1.91% | 1.87% | 2.17% | 1.96% | 2.05% | 2.03% | 2.06% | 1.98% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.32% | 1.95% | 1.95% | 3.24% | 0.14% | 3.64% | 3.28% | 2.97% | -27 bps | |
| Loan Growth (YoY) | 5.78% | 3.79% | 3.65% | 2.68% | -0.36% | 3.68% | 3.19% | 5.62% | +294 bps | |
| Deposit Growth (YoY) | 3.56% | 3.82% | 5.78% | 3.05% | 0.07% | -0.03% | -1.04% | -0.23% | -328 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.45% | 1.10% | 0.82% | 0.91% | 0.87% | 0.66% | 1.00% | 0.89% | -2 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.15% | 1.29% | 0.38% | 0.10% | 0.31% | 0.02% | 0.20% | -18 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.04% | 1.02% | 1.10% | 1.01% | 1.10% | 1.07% | +5 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.2x | 1.3x | 1.1x | 1.3x | 1.5x | 1.1x | 1.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.76% | 7.91% | 7.86% | 7.87% | 7.98% | 8.15% | 8.19% | 8.30% | +43 bps | |
| Total Risk-Based Capital | 10.96% | 11.05% | 10.94% | 10.95% | 11.56% | 11.34% | 11.64% | 11.41% | +46 bps | |
| Equity / Assets | 7.22% | 6.80% | 7.04% | 7.02% | 7.49% | 7.52% | 7.67% | 7.71% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.85% | 85.56% | 82.86% | 84.94% | 85.48% | 88.73% | 86.41% | 89.92% | +498 bps | |
| Liquid Assets / Assets | 0.71% | 1.33% | 0.78% | 0.99% | 0.85% | 1.40% | 1.73% | 0.65% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 366% | 370% | 358% | n/a | n/a | |