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River Bank & Trust

Prattville, AL · Cert 58255 · River Financial Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

85

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

River Bank & Trust

Prattville, AL · Cert 58255 · River Financial Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

$4.0BAssets
$2.9BLoans
$3.5BDeposits
$355.1MEquity
Loan mix
86%RE $2.3B12%C&I $0.3B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $2.8B20%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.79%Q2 ’245.14%Q2 ’255.26%Q2 ’26+18%+10%

Non-interest income vs. expense

1.80%Q2 ’241.84%Q2 ’251.93%Q2 ’26-4%+5%

Market Position · Montgomery, AL · 2026 SOD (annual) · 12.8% share · #3 of 24 inst. · $1.2B of $9.7B

10.5% Montgomery
8.5% Lee
20.9% Etowah
47.9% Chilton

Executive Summary

  • Earnings: ROA of 1.49%, up 31 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.48% of loans (+28 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.23%, up 44 bps from a year ago.
  • Funding: loans stand at 81.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+32 bps YoY

Efficiency Ratio (YTD, annualized)

47.25%-192 bps YoY

Tier 1 Leverage Ratio

9.23%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.18%1.18%1.52%1.49%+31 bps
Return on Equity15.01%14.71%14.43%17.19%16.87%+186 bps
Net Interest Margin3.19%3.19%3.21%3.54%3.51%+32 bps
Efficiency Ratio49.17%48.78%48.23%45.96%47.25%-192 bps
Non-Interest Burden1.28%1.27%1.27%1.31%1.35%+6 bps
Growth
Asset Growth (YoY)7.67%9.94%5.76%7.78%8.96%+128 bps
Loan Growth (YoY)8.93%8.74%9.20%8.21%11.32%+239 bps
Deposit Growth (YoY)9.46%10.21%8.47%9.24%8.76%-71 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.28%0.44%0.49%0.48%+28 bps
Net Charge-Offs / Loans0.15%0.11%0.12%0.02%0.02%-13 bps
Allowance / Loans1.31%1.32%1.32%1.38%1.39%+8 bps
Allowance Coverage of NPLs6.4x4.7x3.0x2.8x2.9x-3.5x
Capital
Tier 1 Leverage Ratio8.80%8.80%8.97%9.14%9.23%+44 bps
Total Risk-Based Capital13.56%13.58%13.83%13.78%13.82%+26 bps
Equity / Assets8.08%8.38%8.95%8.75%8.84%+75 bps
Liquidity & Funding
Loans / Deposits79.72%78.94%81.81%79.70%81.60%+188 bps
Liquid Assets / Assets7.28%7.51%5.53%5.21%4.61%-267 bps
CRE / Total Capitaln/a302%309%307%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

River Bank & Trust

Prattville, AL · Cert 58255 · Peer group: banks $1B-$10B in assets (n=322-328) · River Financial Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

$4.0BAssets
$2.9BLoans
$3.5BDeposits
$355.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks $1B-$10B in assets (rank 43 of 328).
  • Widest gap: equity / assets trails 81% of banks $1B-$10B in assets (rank 265 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.45%

Rank 94 of 328

Net Interest Margin

3.51%

Rank 152 of 328

Efficiency Ratio

47.44%

Rank 51 of 328

Equity / Assets

8.84%

Rank 265 of 328

Non-interest income vs. expense

$23.2M$76.8MINCOMEEXPENSE
Unfavorable gap of $53.6M · efficiency ratio beats 85% of banks $1B-$10B in assets
Bank 47.44%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.91%1.22%1.52%Beats 71%94 / 328
Return on Equity16.42%8.43%11.45%14.43%Beats 87%43 / 328
Net Interest Margin3.51%3.03%3.45%3.83%Beats 54%152 / 328
Efficiency Ratio47.44%51.61%59.56%67.53%Beats 85%51 / 328
Asset Quality
Nonperforming Loans / Loans0.48%0.24%0.51%1.03%Beats 52%155 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 66%112 / 322
Capital
Tier 1 Capital Ratio12.57%11.75%13.15%15.47%Beats 41%193 / 328
Total Risk-Based Capital Ratio13.82%12.63%14.15%16.46%Beats 46%178 / 328
Equity / Assets8.84%9.15%10.33%12.01%Beats 19%265 / 328
Liquidity & Funding
Loans / Deposits81.60%76.63%87.92%95.36%35th pctl211 / 323
Loans / Assets71.22%65.18%74.15%79.98%40th pctl196 / 328
Brokered Deposits / Depositsn/aNot reported for this institution