River Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	128.52	185.74	72.55	74.83	61.96
Investment Securities	221.75	286.32	338	346.4	376.79
Mortgage-Backed Securities	557.68	458.02	421.25	458.73	557.56
Total Investments	779.43	744.34	759.25	805.13	934.35
Gross Loans	2,722	2,495	2,248	1,809	1,273
Allowance for Loan Losses	-36.01	-32.09	-28.99	-24.31	-20.92
Other Adjustments to Gross Loans	-8.68	-8.65	-8.22	-6.15	-6.37
Net Loans	2,678	2,455	2,211	1,779	1,246
Property, Plant & Equipment	57.28	48.35	48.46	43.8	40.04
Goodwill	27.82	27.82	27.82	27.82	27.82
Other Intangible Assets	0.53	0.93	1.45	2.12	2.99
Loans Held for Sale	9.48	6.81	4.6	3.41	15.5
Accrued Interest Receivable	17.47	15.97	14.09	10.08	7.03
Long-Term Deferred Tax Assets	22.65	30.8	29.9	30.54	6.25
Other Real Estate Owned & Foreclosed	1.54	0.13	0.09	0.61	0.26
Other Long-Term Assets	65.15	66.59	66.04	56.24	53.74
Total Assets	3,787	3,582	3,235	2,833	2,396
Interest Bearing Deposits	2,206	2,022	1,830	1,578	1,341
Institutional Deposits	454.24	390.91	272.01	262.8	200.6
Non-Interest Bearing Deposits	666.62	654.23	628.42	672.96	610
Total Deposits	3,327	3,067	2,731	2,514	2,151
Short-Term Borrowings	-	22.66	16.73	128.18	9.75
Current Portion of Long-Term Debt	-	80	80	-	-
Current Portion of Leases	1.06	-	-	-	-
Accrued Interest Payable	2.14	2.36	2.18	1.3	0.6
Long-Term Debt	39.63	39.56	39.49	39.42	39.34
Federal Home Loan Bank Debt, Long-Term	100	125	150	-	-
Long-Term Leases	5.57	2.84	3.41	3.72	3.42
Other Long-Term Liabilities	18.24	15.56	14.45	12.55	11.82
Total Liabilities	3,494	3,355	3,037	2,699	2,216
Common Stock	7.8	7.68	7.67	6.67	6.57
Additional Paid-In Capital	140.57	137.24	137.02	104.29	101.58
Retained Earnings	189.73	151.82	124.33	100.83	75.82
Treasury Stock	-1.75	-1.7	-0.5	-0.31	-0.07
Comprehensive Income & Other	-42.72	-67.98	-70.19	-77.45	-4.34
Shareholders' Equity	293.63	227.06	198.34	134.03	179.56
Total Liabilities & Equity	3,787	3,582	3,235	2,833	2,396
Total Debt	146.26	270.07	289.63	171.32	52.52
Net Cash (Debt)	-14.76	-80.11	-212.87	-92.33	12.85
Net Cash Growth	-	-	-	-	-55.15%
Net Cash Per Share	-1.89	-10.36	-30.13	-13.68	1.94
Filing Date Shares Outstanding	7.83	7.76	7.67	6.67	6.63
Total Common Shares Outstanding	7.75	7.63	7.66	6.66	6.57
Book Value Per Share	37.91	29.77	25.91	20.13	27.34
Tangible Book Value	265.28	198.31	169.08	104.09	148.76
Tangible Book Value Per Share	34.25	26.00	22.08	15.64	22.65

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