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Letter portraitLegal landscapeQuarterYTD

River Community

Ottumwa, IA · Charter 64986

NCUA · 1 branch

Q2 2026

$30.4MAssets
$20.0MLoans
$25.4MShares
$4.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.41%, up 13 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.06% of loans (-34 bps YoY).
  • Capital: net worth / assets of 15.83%, up 128 bps from a year ago.
  • Funding: loans stand at 78.65% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.41%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+28 bps YoY

Efficiency Ratio (YTD, annualized)

68.57%+20 bps YoY

Net Worth / Assets

15.83%+128 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.16%1.06%1.28%1.31%1.37%1.23%1.41%+13 bps
Return on Equity7.69%8.20%7.57%8.82%8.65%8.69%7.95%8.92%+10 bps
Net Interest Margin3.39%3.40%3.36%3.51%3.66%3.80%3.73%3.79%+28 bps
Efficiency Ratio70.42%68.86%71.34%68.37%67.67%68.23%72.22%68.57%+20 bps
Growth
Asset Growth (YoY)0.11%2.34%3.94%4.97%2.55%-1.64%-0.43%0.68%-429 bps
Loan Growth (YoY)-3.52%-4.00%-2.63%-0.12%0.02%-0.34%0.15%-3.19%-307 bps
Share Growth (YoY)-0.50%2.03%3.92%5.13%1.67%-3.42%-2.12%-0.79%-593 bps
Asset Quality
Delinquent Loans / Loans0.31%0.23%0.26%0.40%0.44%0.14%0.16%0.06%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.15%14.18%14.02%14.55%15.14%15.79%15.44%15.83%+128 bps
Net Worth / Assets14.15%14.18%14.02%14.55%15.14%15.79%15.44%15.83%+128 bps
Liquidity & Funding
Loans / Shares84.29%80.89%78.42%80.60%82.93%83.47%80.23%78.65%-195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps