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River City Bank, Inc.

Louisville, KY · Cert 26703 · First Breckinridge Bancshares

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

60

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

River City Bank, Inc.

Louisville, KY · Cert 26703 · First Breckinridge Bancshares

State charter, non-member · FDIC · 5 affiliate banks · 7 branches (27 in holding)

Q2 2026

$494.9MAssets
$375.9MLoans
$438.3MDeposits
$50.4MEquity
Loan mix
96%RE $352.1M4%C&I $15.5M0%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $381.9M13%Noninterest $56.4MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.75%Q2 ’255.65%Q2 ’26+27%+8%

Non-interest income vs. expense

2.27%Q2 ’242.47%Q2 ’252.34%Q2 ’26+9%-15%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.9% share · #14 of 43 inst. · $0.4B of $48.2B

1.3% Jefferson
0.4% Clark

Executive Summary

  • Earnings: ROA of 1.02%, up 48 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.36% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.72%, up 119 bps from a year ago.
  • Funding: loans stand at 85.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+24 bps YoY

Efficiency Ratio (YTD, annualized)

64.49%-1,253 bps YoY

Tier 1 Leverage Ratio

11.72%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.82%0.82%0.78%1.02%+48 bps
Return on Equity6.44%9.53%9.35%8.00%10.26%+382 bps
Net Interest Margin2.86%2.90%2.94%3.08%3.10%+24 bps
Efficiency Ratio77.02%66.98%67.19%70.87%64.49%-1,253 bps
Non-Interest Burden2.12%1.83%1.86%2.09%1.81%-31 bps
Growth
Asset Growth (YoY)6.57%5.79%0.26%-0.29%-2.09%-866 bps
Loan Growth (YoY)12.67%6.88%0.15%-0.39%-1.83%-1,450 bps
Deposit Growth (YoY)9.23%7.85%2.70%3.45%-0.35%-959 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.36%+36 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.67%0.68%0.70%0.70%0.69%+1 bps
Allowance Coverage of NPLsn/an/an/an/a1.9xn/a
Capital
Tier 1 Leverage Ratio10.53%10.80%11.03%11.57%11.72%+119 bps
Total Risk-Based Capital13.57%14.42%15.11%15.12%15.51%+193 bps
Equity / Assets8.53%9.09%9.71%9.87%10.19%+166 bps
Liquidity & Funding
Loans / Deposits87.07%85.16%83.71%84.32%85.77%-129 bps
Liquid Assets / Assets1.45%2.53%1.91%1.78%1.54%+9 bps
CRE / Total Capitaln/a446%427%426%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

River City Bank, Inc.

Louisville, KY · Cert 26703 · Peer group: banks under $1B in assets (n=581-629) · First Breckinridge Bancshares

State charter, non-member · FDIC · 5 affiliate banks · 7 branches (27 in holding)

Q2 2026

$494.9MAssets
$375.9MLoans
$438.3MDeposits
$50.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 72% of banks under $1B in assets (rank 455 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.01%

Rank 313 of 629

Net Interest Margin

3.10%

Rank 455 of 629

Efficiency Ratio

64.49%

Rank 255 of 629

Equity / Assets

10.19%

Rank 362 of 629

Non-interest income vs. expense

$2.7M$11.9MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 60% of banks under $1B in assets
Bank 64.49%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.60%1.01%1.45%Beats 50%313 / 629
Return on Equity9.95%5.38%9.30%13.28%Beats 53%293 / 629
Net Interest Margin3.10%3.03%3.54%4.05%Beats 28%455 / 629
Efficiency Ratio64.49%58.35%67.79%79.08%Beats 60%255 / 629
Asset Quality
Nonperforming Loans / Loans0.36%0.09%0.46%1.20%Beats 55%262 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio14.81%11.24%13.84%18.77%Beats 58%263 / 629
Total Risk-Based Capital Ratio15.51%11.58%14.43%19.66%Beats 58%267 / 629
Equity / Assets10.19%9.09%10.65%13.80%Beats 42%362 / 629
Liquidity & Funding
Loans / Deposits85.77%67.24%80.90%93.48%60th pctl238 / 594
Loans / Assets75.96%53.31%67.71%78.15%69th pctl195 / 629
Brokered Deposits / Depositsn/aNot reported for this institution