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Riverside Bank

Sparkman, AR · Cert 93 · Oak Tree Financial Corp. Inc.

State charter, non-member · FDIC · 2 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=570 to 617). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

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

Sparkman, AR · Cert 93 · Oak Tree Financial Corp. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.9MAssets
$62.6MLoans
$56.6MDeposits
$11.8MEquity
Loan mix
84%RE $48.0M12%C&I $7.1M4%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $48.8M14%Noninterest $7.8MQ2 2025Q2 2026

NIM

6.42%Q2 ’246.72%Q2 ’256.76%Q2 ’26+10%+14%

Non-interest income vs. expense

2.70%Q2 ’243.06%Q2 ’253.31%Q2 ’26+21%+2%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.1% share · #35 of 42 inst. · $0.0B of $36.9B

0.1% Pulaski
9.6% Dallas

Executive Summary

  • Earnings: ROA of 1.12%, up 20 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.29%, up 202 bps from a year ago.
  • Funding: loans stand at 110.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+55 bps YoY

Efficiency Ratio (YTD, annualized)

65.94%-470 bps YoY

Tier 1 Leverage Ratio

12.29%+202 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.93%0.90%0.84%1.12%+20 bps
Return on Equity7.05%6.81%6.35%5.19%6.93%-11 bps
Net Interest Margin4.04%4.02%4.09%4.37%4.60%+55 bps
Efficiency Ratio70.64%69.40%69.91%70.92%65.94%-470 bps
Non-Interest Burden2.69%2.61%2.68%2.88%2.75%+6 bps
Growth
Asset Growth (YoY)17.93%20.94%15.96%2.27%4.05%-1,388 bps
Loan Growth (YoY)-3.11%5.86%8.40%20.89%21.88%+2,498 bps
Deposit Growth (YoY)17.61%17.39%13.07%5.44%-4.73%-2,234 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.05%0.04%0.04%-2 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans0.03%0.10%0.18%0.25%0.29%+26 bps
Allowance Coverage of NPLs0.6x2.0x3.7x5.9x7.4x+6.8x
Capital
Tier 1 Leverage Ratio10.26%11.16%11.42%11.74%12.29%+202 bps
Total Risk-Based Capital15.25%16.35%16.58%16.32%15.52%+26 bps
Equity / Assets14.56%15.55%15.90%16.47%15.99%+142 bps
Liquidity & Funding
Loans / Deposits86.36%94.31%92.38%98.32%110.48%+2,412 bps
Liquid Assets / Assets0.08%0.06%0.07%0.03%0.07%-1 bps
CRE / Total Capitaln/a116.45%118.85%124.26%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

Sparkman, AR · Cert 93 · Peer group: banks under $1B in assets (n=570-617) · Oak Tree Financial Corp. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.9MAssets
$62.6MLoans
$56.6MDeposits
$11.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
  • Widest gap: return on equity trails 68% of banks under $1B in assets (rank 421 of 617).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.09%

Rank 281 of 617

Net Interest Margin

4.60%

Rank 54 of 617

Efficiency Ratio

66.95%

Rank 296 of 617

Equity / Assets

15.99%

Rank 114 of 617

Non-interest income vs. expense

$0.4M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 52% of banks under $1B in assets
Bank 66.95%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.60%1.01%1.45%Beats 54%281 / 617
Return on Equity6.80%5.30%9.43%13.30%Beats 32%421 / 617
Net Interest Margin4.60%3.04%3.54%4.05%Beats 91%54 / 617
Efficiency Ratio66.95%58.03%67.76%79.08%Beats 52%296 / 617
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.47%1.27%Beats 82%106 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio15.19%11.18%13.83%18.55%Beats 61%240 / 617
Total Risk-Based Capital Ratio15.52%11.56%14.39%19.39%Beats 58%261 / 617
Equity / Assets15.99%9.03%10.55%13.63%Beats 82%114 / 617
Liquidity & Funding
Loans / Deposits110.48%64.77%79.70%93.06%96th pctl23 / 582
Loans / Assets84.66%51.70%67.18%77.51%92nd pctl47 / 617
Brokered Deposits / Depositsn/aNot reported for this institution