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River Valley Community Bank

Yuba City, CA · Cert 58276 · River Valley Community Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

46

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 Valley Community Bank

Yuba City, CA · Cert 58276 · River Valley Community Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$793.1MAssets
$405.3MLoans
$704.9MDeposits
$60.7MEquity
Loan mix
90%RE $355.5M10%C&I $38.9M1%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $533.6M24%Noninterest $171.3MQ3 2024Q2 2026

Market Position · Yuba City, CA · 2026 SOD (annual) · 14.1% share · #3 of 12 inst. · $0.5B of $3.6B

13.3% Sutter
0.9% Placer
17.5% Yuba
2.9% Nevada

Executive Summary

  • Earnings: ROA of 0.67%, down 12 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.73%, down 175 bps from a year ago.
  • Funding: loans stand at 57.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-21 bps YoY

Efficiency Ratio (YTD, annualized)

69.45%+401 bps YoY

Tier 1 Leverage Ratio

8.73%-175 bps YoY

NIM

4.13%Q2 ’244.49%Q2 ’254.53%Q2 ’26+13%-7%

Non-interest income vs. expense

2.00%Q2 ’242.15%Q2 ’252.11%Q2 ’26+10%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.77%0.82%0.78%0.76%0.72%0.63%0.67%-12 bps
Return on Equity9.28%9.63%9.81%9.08%8.83%8.61%8.06%8.60%-48 bps
Net Interest Margin2.75%2.93%3.09%3.13%3.12%2.76%2.97%2.92%-21 bps
Efficiency Ratio66.98%65.78%63.93%65.44%66.74%67.51%70.77%69.45%+401 bps
Non-Interest Burden1.79%1.87%1.92%2.00%2.03%1.82%2.07%1.99%0 bps
Growth
Asset Growth (YoY)1.15%3.68%6.19%-0.62%14.25%26.16%20.31%30.25%+3,086 bps
Loan Growth (YoY)13.97%18.90%19.31%21.03%15.71%13.61%13.31%12.28%-875 bps
Deposit Growth (YoY)-0.88%2.96%13.75%5.42%14.68%21.48%15.89%28.20%+2,278 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.08%0.02%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.04%+4 bps
Allowance / Loans1.32%1.23%1.26%1.27%1.23%1.21%1.24%1.23%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/a16.1x57.3xn/an/a
Capital
Tier 1 Leverage Ratio9.75%10.41%10.22%10.48%10.43%9.17%8.89%8.73%-175 bps
Total Risk-Based Capital15.63%15.07%15.26%15.30%14.88%14.74%14.81%14.90%-40 bps
Equity / Assets8.70%8.39%8.41%9.08%8.45%7.79%7.84%7.65%-143 bps
Liquidity & Funding
Loans / Deposits60.02%63.90%60.71%65.65%60.56%59.75%59.36%57.50%-815 bps
Liquid Assets / Assets6.35%5.15%9.45%3.39%5.52%9.59%8.51%7.80%+441 bps
CRE / Total Capitaln/an/an/an/a471%495%481%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 Valley Community Bank

Yuba City, CA · Cert 58276 · Peer group: banks under $1B in assets (n=581-629) · River Valley Community Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$793.1MAssets
$405.3MLoans
$704.9MDeposits
$60.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 572 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.65%

Rank 459 of 629

Net Interest Margin

2.92%

Rank 496 of 629

Efficiency Ratio

69.45%

Rank 341 of 629

Equity / Assets

7.65%

Rank 572 of 629

Non-interest income vs. expense

$0.9M$16.9MINCOMEEXPENSE
Unfavorable gap of $15.9M · efficiency ratio beats 46% of banks under $1B in assets
Bank 69.45%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%0.60%1.01%1.45%Beats 27%459 / 629
Return on Equity8.49%5.38%9.30%13.28%Beats 44%353 / 629
Net Interest Margin2.92%3.03%3.54%4.05%Beats 21%496 / 629
Efficiency Ratio69.45%58.35%67.79%79.08%Beats 46%341 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 41%345 / 581
Capital
Tier 1 Capital Ratio13.82%11.24%13.84%18.77%Beats 49%318 / 629
Total Risk-Based Capital Ratio14.90%11.58%14.43%19.66%Beats 53%296 / 629
Equity / Assets7.65%9.09%10.65%13.80%Beats 9%572 / 629
Liquidity & Funding
Loans / Deposits57.50%67.24%80.90%93.48%16th pctl499 / 594
Loans / Assets51.11%53.31%67.71%78.15%22nd pctl491 / 629
Brokered Deposits / Depositsn/aNot reported for this institution