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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

6.90%Q2 ’246.55%Q2 ’256.02%Q2 ’26-10%-5%

Non-interest income vs. expense

2.21%Q2 ’242.22%Q2 ’252.01%Q2 ’26+4%-9%

Executive Summary

  • Earnings: ROA of 1.05%, down 13 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 3.42% of loans (+181 bps YoY), with net recoveries of 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 (quarter, annualized)

1.05%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.56%-19 bps YoY

Efficiency Ratio (quarter, annualized)

54.48%-235 bps YoY

Tier 1 Leverage Ratio

12.18%-4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.37%1.67%1.43%1.05%-13 bps
Return on Equity9.95%12.11%14.65%12.16%8.99%-96 bps
Net Interest Margin3.75%3.82%4.19%3.92%3.56%-19 bps
Efficiency Ratio56.83%54.08%46.56%50.48%54.48%-235 bps
Non-Interest Burden2.06%1.96%1.66%1.83%1.87%-19 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 / Loans0.05%0.00%0.24%0.02%-0.01%-5 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