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Riverside Bank of Dublin

Dublin, OH · Cert 59199

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 assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

16

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

Riverside Bank of Dublin

Dublin, OH · Cert 59199

State charter, non-member · FDIC · 3 branches

Q2 2026

$269.0MAssets
$234.1MLoans
$238.4MDeposits
$24.8MEquity
Loan mix
87%RE $205.8M13%C&I $30.7M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $225.5M5%Noninterest $12.9MQ2 2025Q2 2026

NIM

5.70%Q2 ’245.74%Q2 ’255.91%Q2 ’26+14%+27%

Non-interest income vs. expense

1.95%Q2 ’242.03%Q2 ’252.41%Q2 ’26-5%+29%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #28 of 53 inst. · $0.2B of $124.6B

Executive Summary

  • Earnings: ROA of 0.34%, up 3 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.38% of loans (+38 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.14%, down 74 bps from a year ago.
  • Funding: loans stand at 98.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+62 bps YoY

Efficiency Ratio (YTD, annualized)

80.81%-20 bps YoY

Tier 1 Leverage Ratio

9.14%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.32%0.49%0.43%0.34%+3 bps
Return on Equity3.00%3.19%4.99%4.61%3.63%+63 bps
Net Interest Margin2.31%2.53%2.57%2.91%2.93%+62 bps
Efficiency Ratio81.02%78.82%73.66%72.08%80.81%-20 bps
Non-Interest Burden1.83%1.96%1.81%2.07%2.36%+52 bps
Growth
Asset Growth (YoY)27.99%11.26%18.09%14.55%14.10%-1,388 bps
Loan Growth (YoY)19.70%29.32%23.94%27.10%20.67%+97 bps
Deposit Growth (YoY)32.38%12.53%19.67%15.66%15.43%-1,695 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.17%0.38%0.38%+38 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.41%0.21%+21 bps
Allowance / Loans0.84%0.84%0.84%0.76%0.78%-6 bps
Allowance Coverage of NPLsn/an/a5.0x2.0x2.0xn/a
Capital
Tier 1 Leverage Ratio9.88%10.13%9.91%9.34%9.14%-74 bps
Total Risk-Based Capital9.88%10.13%9.91%9.34%9.14%-74 bps
Equity / Assets9.92%10.06%9.37%9.12%9.22%-69 bps
Liquidity & Funding
Loans / Deposits93.90%103.60%97.75%99.61%98.17%+427 bps
Liquid Assets / Assets13.33%5.19%10.07%8.20%9.53%-380 bps
CRE / Total Capitaln/a601%605%650%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

Riverside Bank of Dublin

Dublin, OH · Cert 59199 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 3 branches

Q2 2026

$269.0MAssets
$234.1MLoans
$238.4MDeposits
$24.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 53% of banks under $1B in assets operating in a single state (rank 348 of 743).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets operating in a single state (rank 732 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.33%

Rank 662 of 746

Net Interest Margin

2.93%

Rank 630 of 746

Efficiency Ratio

80.81%

Rank 627 of 746

Equity / Assets

9.22%

Rank 528 of 746

Non-interest income vs. expense

$0.2M$6.5MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state
Bank 80.81%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.72%1.06%1.45%Beats 11%662 / 746
Return on Equity3.59%6.74%10.51%13.63%Beats 13%652 / 746
Net Interest Margin2.93%3.17%3.68%4.16%Beats 16%630 / 746
Efficiency Ratio80.81%55.74%64.58%75.47%Beats 16%627 / 746
Asset Quality
Nonperforming Loans / Loans0.38%0.09%0.42%1.07%Beats 53%348 / 743
Net Charge-Offs / Loans0.11%0.00%0.01%0.05%Beats 14%643 / 743
Capital
Tier 1 Capital Ratio9.14%11.55%13.75%17.60%Beats 2%732 / 746
Total Risk-Based Capital Ratio9.14%11.71%14.33%18.43%Beats 2%732 / 746
Equity / Assets9.22%8.90%10.51%13.06%Beats 29%528 / 746
Liquidity & Funding
Loans / Deposits98.17%61.31%78.27%90.78%88th pctl88 / 746
Loans / Assets87.01%53.60%66.97%76.08%97th pctl20 / 746
Brokered Deposits / Depositsn/aNot reported for this institution