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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

$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 0.71%, down 2 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • 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 (quarter, annualized)

0.71%-2 bps YoY

Net Interest Margin (quarter, annualized)

2.98%-17 bps YoY

Efficiency Ratio (quarter, annualized)

68.20%+128 bps YoY

Tier 1 Leverage Ratio

8.73%-175 bps YoY

NIM

4.27%Q2 ’244.52%Q2 ’254.64%Q2 ’26+16%-6%

Non-interest income vs. expense

1.98%Q2 ’242.22%Q2 ’252.13%Q2 ’26+15%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.89%0.82%0.73%0.73%0.65%0.63%0.71%-2 bps
Return on Equity9.47%10.37%9.81%8.36%8.37%7.98%8.06%9.12%+76 bps
Net Interest Margin2.82%3.09%3.09%3.16%3.22%2.98%2.97%2.98%-17 bps
Efficiency Ratio65.53%62.41%63.93%66.92%69.22%69.61%70.77%68.20%+128 bps
Non-Interest Burden1.79%1.86%1.92%2.06%2.18%2.04%2.07%1.99%-7 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%0.08%+8 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