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Riverbank

Spokane, WA · Cert 58322 · Riverbank Holding Co.

State charter, non-member · FDIC · 3 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

77

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

Riverbank

Spokane, WA · Cert 58322 · Riverbank Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$310.2MAssets
$239.4MLoans
$275.2MDeposits
$31.9MEquity
Loan mix
83%RE $197.1M17%C&I $39.6M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $149.4M46%Noninterest $125.8MQ2 2025Q2 2026

NIM

5.80%Q2 ’246.24%Q2 ’256.26%Q2 ’26+11%+7%

Non-interest income vs. expense

3.13%Q2 ’243.04%Q2 ’253.12%Q2 ’26-18%-10%

Market Position · Spokane-Spokane Valley, WA · 2026 SOD (annual) · 2.5% share · #9 of 17 inst. · $0.3B of $10.9B

Executive Summary

  • Earnings: ROA of 1.78%, up 60 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.31% of loans (-18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.34%, up 81 bps from a year ago.
  • Funding: loans stand at 86.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%+60 bps YoY

Net Interest Margin (YTD, annualized)

4.53%+32 bps YoY

Efficiency Ratio (YTD, annualized)

57.22%-582 bps YoY

Tier 1 Leverage Ratio

11.34%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.37%1.32%1.62%1.78%+60 bps
Return on Equity12.42%14.18%13.60%15.72%17.32%+491 bps
Net Interest Margin4.21%4.18%4.33%4.41%4.53%+32 bps
Efficiency Ratio63.04%61.15%62.87%59.90%57.22%-582 bps
Non-Interest Burden2.43%2.31%2.53%2.32%2.19%-23 bps
Growth
Asset Growth (YoY)13.02%5.74%11.58%6.94%12.61%-41 bps
Loan Growth (YoY)19.96%12.96%6.23%2.55%1.96%-1,801 bps
Deposit Growth (YoY)12.89%4.90%8.92%6.08%11.20%-169 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.47%0.47%0.71%0.31%-18 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.30%1.31%1.34%1.33%1.34%+4 bps
Allowance Coverage of NPLs2.7x2.8x2.8x1.9x4.3x+1.6x
Capital
Tier 1 Leverage Ratio10.53%10.48%10.91%11.12%11.34%+81 bps
Total Risk-Based Capital10.53%10.48%10.91%11.12%11.34%+81 bps
Equity / Assets9.62%10.07%9.98%10.66%10.27%+64 bps
Liquidity & Funding
Loans / Deposits94.86%95.43%90.80%94.48%86.97%-789 bps
Liquid Assets / Assets1.73%2.46%4.20%3.49%8.55%+682 bps
CRE / Total Capitaln/a487%462%440%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

Riverbank

Spokane, WA · Cert 58322 · Peer group: banks under $1B in assets (n=581-629) · Riverbank Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$310.2MAssets
$239.4MLoans
$275.2MDeposits
$31.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets (rank 489 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.70%

Rank 112 of 629

Net Interest Margin

4.53%

Rank 64 of 629

Efficiency Ratio

57.22%

Rank 145 of 629

Equity / Assets

10.27%

Rank 356 of 629

Non-interest income vs. expense

$2.7M$9.2MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 77% of banks under $1B in assets
Bank 57.22%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.60%1.01%1.45%Beats 82%112 / 629
Return on Equity16.56%5.38%9.30%13.28%Beats 88%75 / 629
Net Interest Margin4.53%3.03%3.54%4.05%Beats 90%64 / 629
Efficiency Ratio57.22%58.35%67.79%79.08%Beats 77%145 / 629
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.46%1.20%Beats 57%252 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.34%11.24%13.84%18.77%Beats 26%464 / 629
Total Risk-Based Capital Ratio11.34%11.58%14.43%19.66%Beats 22%489 / 629
Equity / Assets10.27%9.09%10.65%13.80%Beats 43%356 / 629
Liquidity & Funding
Loans / Deposits86.97%67.24%80.90%93.48%62nd pctl225 / 594
Loans / Assets77.16%53.31%67.71%78.15%72nd pctl175 / 629
Brokered Deposits / Depositsn/aNot reported for this institution