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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