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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.91%	0.93%	0.90%	0.84%	1.12%	+20 bps
Return on Equity	7.05%	6.81%	6.35%	5.19%	6.93%	-11 bps
Net Interest Margin	4.04%	4.02%	4.09%	4.37%	4.60%	+55 bps
Efficiency Ratio	70.64%	69.40%	69.91%	70.92%	65.94%	-470 bps
Non-Interest Burden	2.69%	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 / Loans	0.06%	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 / Loans	0.03%	0.10%	0.18%	0.25%	0.29%	+26 bps
Allowance Coverage of NPLs	0.6x	2.0x	3.7x	5.9x	7.4x	+6.8x
Capital
Tier 1 Leverage Ratio	10.26%	11.16%	11.42%	11.74%	12.29%	+202 bps
Total Risk-Based Capital	15.25%	16.35%	16.58%	16.32%	15.52%	+26 bps
Equity / Assets	14.56%	15.55%	15.90%	16.47%	15.99%	+142 bps
Liquidity & Funding
Loans / Deposits	86.36%	94.31%	92.38%	98.32%	110.48%	+2,412 bps
Liquid Assets / Assets	0.08%	0.06%	0.07%	0.03%	0.07%	-1 bps
CRE / Total Capital	n/a	116.45%	118.85%	124.26%	n/a	n/a