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Riverside Savings Bank, SSB

Roanoke Rapids, NC · Cert 28314

SI · FDIC · 1 branch

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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

20

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

Riverside Savings Bank, SSB

Roanoke Rapids, NC · Cert 28314

SI · FDIC · 1 branch

Q2 2026

$94.5MAssets
$59.4MLoans
$72.5MDeposits
$16.3MEquity
Loan mix
98%RE $58.8M1%C&I $0.6M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $69.5M4%Noninterest $3.0MQ2 2025Q2 2026

NIM

4.43%Q2 ’244.60%Q2 ’254.76%Q2 ’26+10%+9%

Non-interest income vs. expense

2.61%Q2 ’242.74%Q2 ’252.70%Q2 ’26-5%+2%

Executive Summary

  • Earnings: ROA of 0.46%, up 18 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.78%, down 6 bps from a year ago.
  • Funding: loans stand at 81.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+24 bps YoY

Efficiency Ratio (YTD, annualized)

81.86%-549 bps YoY

Tier 1 Leverage Ratio

18.78%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.26%0.23%0.45%0.46%+18 bps
Return on Equity1.68%1.55%1.41%2.64%2.71%+103 bps
Net Interest Margin2.66%2.69%2.68%2.86%2.90%+24 bps
Efficiency Ratio87.35%88.06%88.03%80.80%81.86%-549 bps
Non-Interest Burden2.29%2.34%2.34%2.26%2.34%+4 bps
Growth
Asset Growth (YoY)-1.72%-1.41%1.61%0.81%2.14%+385 bps
Loan Growth (YoY)3.07%1.14%6.93%8.46%6.75%+368 bps
Deposit Growth (YoY)-2.13%-3.57%-0.73%0.27%1.05%+319 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.01%0.12%0.00%0.00%-4 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.00%0.00%-1 bps
Allowance / Loans0.66%0.65%0.69%0.71%0.68%+3 bps
Allowance Coverage of NPLs15.2x45.9x5.5xn/an/an/a
Capital
Tier 1 Leverage Ratio18.84%18.95%18.79%18.79%18.78%-6 bps
Total Risk-Based Capital18.84%18.95%18.79%18.79%18.78%-6 bps
Equity / Assets16.27%16.94%16.92%16.77%17.21%+94 bps
Liquidity & Funding
Loans / Deposits77.50%81.02%82.36%81.82%81.87%+437 bps
Liquid Assets / Assets0.81%0.93%0.74%0.78%0.77%-3 bps
CRE / Total Capitaln/a144.59%151.10%141.38%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

Riverside Savings Bank, SSB

Roanoke Rapids, NC · Cert 28314 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 1 branch

Q2 2026

$94.5MAssets
$59.4MLoans
$72.5MDeposits
$16.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 86% of banks under $1B in assets (rank 538 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.46%

Rank 513 of 629

Net Interest Margin

2.90%

Rank 503 of 629

Efficiency Ratio

83.29%

Rank 505 of 629

Equity / Assets

17.21%

Rank 102 of 629

Non-interest income vs. expense

$0.3M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 20% of banks under $1B in assets
Bank 83.29%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.60%1.01%1.45%Beats 18%513 / 629
Return on Equity2.67%5.38%9.30%13.28%Beats 14%538 / 629
Net Interest Margin2.90%3.03%3.54%4.05%Beats 20%503 / 629
Efficiency Ratio83.29%58.35%67.79%79.08%Beats 20%505 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio18.78%11.24%13.84%18.77%Beats 75%157 / 629
Total Risk-Based Capital Ratio18.78%11.58%14.43%19.66%Beats 73%172 / 629
Equity / Assets17.21%9.09%10.65%13.80%Beats 84%102 / 629
Liquidity & Funding
Loans / Deposits81.87%67.24%80.90%93.48%51st pctl291 / 594
Loans / Assets62.78%53.31%67.71%78.15%40th pctl377 / 629
Brokered Deposits / Depositsn/aNot reported for this institution