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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.18% | 1.18% | 1.52% | 1.49% | +31 bps | |
| Return on Equity | 15.01% | 14.71% | 14.43% | 17.19% | 16.87% | +186 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.21% | 3.54% | 3.51% | +32 bps | |
| Efficiency Ratio | 49.17% | 48.78% | 48.23% | 45.96% | 47.25% | -192 bps | |
| Non-Interest Burden | 1.28% | 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 / Loans | 0.21% | 0.28% | 0.44% | 0.49% | 0.48% | +28 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.11% | 0.12% | 0.02% | 0.02% | -13 bps | |
| Allowance / Loans | 1.31% | 1.32% | 1.32% | 1.38% | 1.39% | +8 bps | |
| Allowance Coverage of NPLs | 6.4x | 4.7x | 3.0x | 2.8x | 2.9x | -3.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.80% | 8.80% | 8.97% | 9.14% | 9.23% | +44 bps | |
| Total Risk-Based Capital | 13.56% | 13.58% | 13.83% | 13.78% | 13.82% | +26 bps | |
| Equity / Assets | 8.08% | 8.38% | 8.95% | 8.75% | 8.84% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.72% | 78.94% | 81.81% | 79.70% | 81.60% | +188 bps | |
| Liquid Assets / Assets | 7.28% | 7.51% | 5.53% | 5.21% | 4.61% | -267 bps | |
| CRE / Total Capital | n/a | 302% | 309% | 307% | n/a | n/a | |