Prattville, AL · Cert 58255 · River Financial Corp.
State charter, non-member · FDIC · 25 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
35
Asset Quality
59
Profitability
71
Liquidity
73
Efficiency
85
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.
Prattville, AL · Cert 58255 · River Financial Corp.
State charter, non-member · FDIC · 25 branches
Q2 2026
Market Position · Montgomery, AL · 2026 SOD (annual) · 12.8% share · #3 of 24 inst. · $1.2B of $9.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.94% | 0.99% | 1.18% | 1.18% | 1.18% | 1.52% | 1.49% | +31 bps | |
| Return on Equity | 12.41% | 12.61% | 12.77% | 15.01% | 14.71% | 14.43% | 17.19% | 16.87% | +186 bps | |
| Net Interest Margin | 2.70% | 2.71% | 3.16% | 3.19% | 3.19% | 3.21% | 3.54% | 3.51% | +32 bps | |
| Efficiency Ratio | 55.59% | 54.60% | 49.68% | 49.17% | 48.78% | 48.23% | 45.96% | 47.25% | -192 bps | |
| Non-Interest Burden | 1.29% | 1.27% | 1.28% | 1.28% | 1.27% | 1.27% | 1.31% | 1.35% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.05% | 10.75% | 7.83% | 7.67% | 9.94% | 5.76% | 7.78% | 8.96% | +128 bps | |
| Loan Growth (YoY) | 14.28% | 11.09% | 11.77% | 8.93% | 8.74% | 9.20% | 8.21% | 11.32% | +239 bps | |
| Deposit Growth (YoY) | 9.43% | 12.20% | 9.06% | 9.46% | 10.21% | 8.47% | 9.24% | 8.76% | -71 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.34% | 0.33% | 0.21% | 0.28% | 0.44% | 0.49% | 0.48% | +28 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | 0.00% | 0.15% | 0.11% | 0.12% | 0.02% | 0.02% | -13 bps | |
| Allowance / Loans | 1.28% | 1.29% | 1.33% | 1.31% | 1.32% | 1.32% | 1.38% | 1.39% | +8 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.8x | 4.0x | 6.4x | 4.7x | 3.0x | 2.8x | 2.9x | -3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.54% | 8.56% | 8.63% | 8.80% | 8.80% | 8.97% | 9.14% | 9.23% | +44 bps | |
| Total Risk-Based Capital | 13.16% | 13.15% | 13.21% | 13.56% | 13.58% | 13.83% | 13.78% | 13.82% | +26 bps | |
| Equity / Assets | 7.90% | 7.55% | 7.90% | 8.08% | 8.38% | 8.95% | 8.75% | 8.84% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.01% | 81.27% | 80.46% | 79.72% | 78.94% | 81.81% | 79.70% | 81.60% | +188 bps | |
| Liquid Assets / Assets | 6.28% | 5.86% | 6.72% | 7.28% | 7.51% | 5.53% | 5.21% | 4.61% | -267 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 302% | 309% | 307% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.91% | 1.22% | 1.52% | Beats 71% | 94 / 328 | ||
| Return on Equity | 16.42% | 8.43% | 11.45% | 14.43% | Beats 87% | 43 / 328 | ||
| Net Interest Margin | 3.51% | 3.03% | 3.45% | 3.83% | Beats 54% | 152 / 328 | ||
| Efficiency Ratio | 47.44% | 51.61% | 59.56% | 67.53% | Beats 85% | 51 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.24% | 0.51% | 1.03% | Beats 52% | 155 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 66% | 112 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.57% | 11.75% | 13.15% | 15.47% | Beats 41% | 193 / 328 | ||
| Total Risk-Based Capital Ratio | 13.82% | 12.63% | 14.15% | 16.46% | Beats 46% | 178 / 328 | ||
| Equity / Assets | 8.84% | 9.15% | 10.33% | 12.01% | Beats 19% | 265 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.60% | 76.63% | 87.92% | 95.36% | 35th pctl | 211 / 323 | ||
| Loans / Assets | 71.22% | 65.18% | 74.15% | 79.98% | 40th pctl | 196 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||