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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.99% | 0.99% | 1.37% | 1.18% | 1.18% | 1.52% | 1.46% | +10 bps | |
| Return on Equity | 13.74% | 12.85% | 12.77% | 17.10% | 14.30% | 13.66% | 17.19% | 16.64% | -46 bps | |
| Net Interest Margin | 2.84% | 2.97% | 3.16% | 3.29% | 3.38% | 3.45% | 3.54% | 3.58% | +30 bps | |
| Efficiency Ratio | 53.64% | 51.96% | 49.68% | 48.68% | 48.06% | 46.69% | 45.96% | 48.48% | -20 bps | |
| Non-Interest Burden | 1.30% | 1.29% | 1.28% | 1.32% | 1.33% | 1.33% | 1.31% | 1.42% | +11 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 | 0.19% | 0.13% | 0.00% | 0.30% | 0.03% | 0.18% | 0.02% | 0.02% | -28 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 | |