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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.71% | 0.76% | 0.88% | 0.93% | 1.01% | 1.00% | 1.06% | +18 bps | |
| Return on Equity | 9.22% | 10.26% | 10.94% | 12.60% | 13.15% | 14.08% | 13.20% | 13.87% | +127 bps | |
| Net Interest Margin | 2.98% | 3.06% | 3.26% | 3.36% | 3.44% | 3.51% | 3.60% | 3.62% | +26 bps | |
| Efficiency Ratio | 71.03% | 70.13% | 72.67% | 68.10% | 66.70% | 65.56% | 64.30% | 63.02% | -507 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 2.17% | 2.05% | 2.05% | 2.05% | 2.06% | 2.02% | -3 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 | 0.15% | 0.15% | 1.29% | 0.82% | 0.59% | 0.50% | 0.02% | 0.11% | -71 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 | |