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Letter portraitLegal landscapeQuarterYTD

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 $0.3MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $69.5M4%Noninterest $3.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.38%-0.23%0.19%0.28%0.26%0.23%0.45%0.46%+18 bps
Return on Equity-2.25%-1.38%1.17%1.68%1.55%1.41%2.64%2.71%+103 bps
Net Interest Margin2.44%2.56%2.62%2.66%2.69%2.68%2.86%2.90%+24 bps
Efficiency Ratio120.81%111.74%93.37%87.35%88.06%88.03%80.80%81.86%-549 bps
Non-Interest Burden3.04%2.93%2.45%2.29%2.34%2.34%2.26%2.34%+4 bps
Growth
Asset Growth (YoY)-3.53%-0.99%-1.53%-1.72%-1.41%1.61%0.81%2.14%+385 bps
Loan Growth (YoY)5.40%3.62%3.26%3.07%1.14%6.93%8.46%6.75%+368 bps
Deposit Growth (YoY)0.01%-1.24%-2.30%-2.13%-3.57%-0.73%0.27%1.05%+319 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.01%0.11%0.04%0.01%0.12%0.00%0.00%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.02%0.02%0.00%0.00%-1 bps
Allowance / Loans0.64%0.64%0.64%0.66%0.65%0.69%0.71%0.68%+3 bps
Allowance Coverage of NPLs5.1x50.4x5.7x15.2x45.9x5.5xn/an/an/a
Capital
Tier 1 Leverage Ratio17.92%18.61%18.79%18.84%18.95%18.79%18.79%18.78%-6 bps
Total Risk-Based Capital17.92%18.61%18.79%18.84%18.95%18.79%18.79%18.78%-6 bps
Equity / Assets16.98%16.52%16.37%16.27%16.94%16.92%16.77%17.21%+94 bps
Liquidity & Funding
Loans / Deposits77.25%76.47%75.65%77.50%81.02%82.36%81.82%81.87%+437 bps
Liquid Assets / Assets1.24%1.17%0.81%0.81%0.93%0.74%0.78%0.77%-3 bps
CRE / Total Capitaln/an/an/an/a144.59%151.10%141.38%n/an/a