River Financial Corporation (RVRF)

River Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	173	169.11	147.73	112.87	73.07	62.06
Interest Income on Investments	29.51	28.5	22.39	19.39	15.8	9.74
Total Interest Income	202.51	197.61	170.11	132.26	88.87	71.8
Interest Paid on Deposits	68.01	68.03	66.03	43.81	7.8	4.04
Interest Paid on Borrowings	7.24	7.91	9.63	9.14	2.18	1.61
Total Interest Expense	75.25	75.94	75.66	52.95	9.99	5.65
Net Interest Income	127.26	121.67	94.45	79.31	78.89	66.15
Net Interest Income Growth (YoY)	26.48%	28.82%	19.09%	0.53%	19.26%	19.67%
Mortgage Banking Activities	6.65	5.98	4.67	3.83	4.74	7.39
Gain (Loss) on Sale of Investments	-6.7	-10.11	-2.82	0.01	-2.07	-0.61
Other Non-Interest Income	14.38	14.58	13.56	16.76	9.57	7.76
Total Non-Interest Income	14.32	10.45	15.41	20.6	12.24	14.54
Non-Interest Income Growth (YoY)	-2.60%	-32.16%	-25.19%	68.26%	-15.82%	23.18%
Revenues Before Loan Losses	141.59	132.12	109.86	99.91	91.13	80.69
Provision for Loan Losses	7.57	7.24	5.79	5.24	3.84	4.74
Revenue	134.02	124.88	104.07	94.66	87.29	75.95
Revenue Growth (YoY)	22.77%	20.00%	9.94%	8.45%	14.94%	29.90%
Salaries and Employee Benefits	43.86	42.01	37.79	36.16	30.26	27.01
Federal Deposit Insurance	2.61	2.69	2.82	2.65	1.32	1.3
Selling, General & Administrative	15.41	16.3	13.79	13.34	11.44	9.26
Other Non-Interest Expense	9.69	9.21	8.27	8.86	8.39	6.25
Total Non-Interest Expense	71.87	70.29	62.95	61.08	51.41	43.75
EBT Excluding Unusual Items	62.15	54.59	41.12	33.59	35.88	32.2
Pretax Income	62.15	54.59	41.12	33.59	35.88	32.2
Income Tax Expense	14.35	12.48	9.8	6.85	7.95	7.16
Net Income	47.79	42.11	31.32	26.74	27.93	25.04
Net Income to Common	47.79	42.11	31.32	26.74	27.93	25.04
Net Income Growth	40.72%	34.45%	17.12%	-4.26%	11.55%	46.49%
Basic Shares Outstanding	8	8	8	7	7	7
Diluted Shares Outstanding	8	8	8	7	7	7
Shares Change (YoY)	1.22%	1.29%	9.43%	4.67%	2.06%	0.64%
EPS (Basic)	6.15	5.43	4.09	3.84	4.21	3.83
EPS (Diluted)	6.09	5.38	4.05	3.79	4.14	3.79
EPS Growth	39.09%	32.84%	6.86%	-8.45%	9.23%	45.77%
Dividend Per Share	0.540	0.540	0.500	0.480	0.440	0.400
Dividend Growth	-	8.00%	4.17%	9.09%	10.00%	11.11%
Effective Tax Rate	23.09%	22.86%	23.84%	20.39%	22.15%	22.25%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.