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Riverbank

Pocahontas, AR · Cert 31711 · Riverbank Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

81

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

Riverbank

Pocahontas, AR · Cert 31711 · Riverbank Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$174.4MAssets
$136.3MLoans
$150.4MDeposits
$20.0MEquity
Loan mix
87%RE $94.2M12%C&I $13.0M1%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $137.3M9%Noninterest $13.1MQ2 2025Q2 2026

NIM

6.61%Q2 ’246.23%Q2 ’256.11%Q2 ’26-13%+4%

Non-interest income vs. expense

2.18%Q2 ’242.16%Q2 ’252.04%Q2 ’26-19%+18%

Executive Summary

  • Earnings: ROA of 1.23%, down 30 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 3.42% of loans (+181 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.18%, down 4 bps from a year ago.
  • Funding: loans stand at 90.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+13 bps YoY

Efficiency Ratio (YTD, annualized)

52.37%+40 bps YoY

Tier 1 Leverage Ratio

12.18%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.47%1.54%1.43%1.23%-30 bps
Return on Equity12.79%12.55%13.11%12.16%10.56%-223 bps
Net Interest Margin3.56%3.48%3.61%3.92%3.68%+13 bps
Efficiency Ratio51.98%52.70%50.92%50.48%52.37%+40 bps
Non-Interest Burden1.55%1.62%1.61%1.83%1.83%+27 bps
Growth
Asset Growth (YoY)32.06%19.82%16.90%13.77%11.85%-2,021 bps
Loan Growth (YoY)18.07%22.63%20.19%15.26%14.21%-386 bps
Deposit Growth (YoY)37.47%21.70%15.06%14.03%9.96%-2,750 bps
Asset Quality
Nonperforming Loans / Loans1.61%1.28%0.74%1.40%3.42%+181 bps
Net Charge-Offs / Loans0.02%0.01%0.07%0.02%0.01%-1 bps
Allowance / Loans1.43%1.36%1.44%1.51%1.49%+6 bps
Allowance Coverage of NPLs0.9x1.1x1.9x1.1x0.4x-0.5x
Capital
Tier 1 Leverage Ratio12.22%11.72%11.72%12.24%12.18%-4 bps
Total Risk-Based Capital12.22%11.72%11.72%12.24%12.18%-4 bps
Equity / Assets11.56%11.14%11.73%11.87%11.49%-7 bps
Liquidity & Funding
Loans / Deposits87.26%89.70%90.45%88.63%90.63%+337 bps
Liquid Assets / Assets2.84%2.08%1.39%3.30%2.30%-54 bps
CRE / Total Capitaln/a178.12%187.78%196.46%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

Riverbank

Pocahontas, AR · Cert 31711 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riverbank Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$174.4MAssets
$136.3MLoans
$150.4MDeposits
$20.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets operating in a single state (rank 140 of 746).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 713 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.18%

Rank 307 of 746

Net Interest Margin

3.68%

Rank 369 of 746

Efficiency Ratio

52.37%

Rank 140 of 746

Equity / Assets

11.49%

Rank 280 of 746

Non-interest income vs. expense

$0.3M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state
Bank 52.37%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.72%1.06%1.45%Beats 59%307 / 746
Return on Equity10.29%6.74%10.51%13.63%Beats 49%381 / 746
Net Interest Margin3.68%3.17%3.68%4.16%Beats 51%369 / 746
Efficiency Ratio52.37%55.74%64.58%75.47%Beats 81%140 / 746
Asset Quality
Nonperforming Loans / Loans3.42%0.09%0.42%1.07%Beats 4%713 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 56%327 / 743
Capital
Tier 1 Capital Ratio12.18%11.55%13.75%17.60%Beats 33%498 / 746
Total Risk-Based Capital Ratio12.18%11.71%14.33%18.43%Beats 30%525 / 746
Equity / Assets11.49%8.90%10.51%13.06%Beats 62%280 / 746
Liquidity & Funding
Loans / Deposits90.63%61.31%78.27%90.78%74th pctl191 / 746
Loans / Assets78.14%53.60%66.97%76.08%80th pctl148 / 746
Brokered Deposits / Depositsn/aNot reported for this institution