River Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	244.04	185.74	72.55	74.83	61.96	60.27
Investment Securities	245.7	286.14	338	346.4	376.79	150.87
Mortgage-Backed Securities	553.34	458.02	421.25	458.73	557.56	350.6
Total Investments	799.04	744.15	759.25	805.13	934.35	501.47
Gross Loans	2,649	2,495	2,248	1,809	1,273	1,193
Allowance for Loan Losses	-35.04	-32.09	-28.99	-24.31	-20.92	-16.8
Other Adjustments to Gross Loans	-8.6	-8.65	-8.22	-6.15	-6.37	-6.8
Net Loans	2,605	2,455	2,211	1,779	1,246	1,170
Property, Plant & Equipment	53.44	48.35	48.46	43.8	40.04	34.14
Goodwill	27.82	27.82	27.82	27.82	27.82	27.82
Other Intangible Assets	0.62	0.93	1.45	2.12	2.99	4.05
Loans Held for Sale	6.06	6.81	4.6	3.41	15.5	24
Accrued Interest Receivable	16.65	15.97	14.09	10.08	7.03	6.8
Long-Term Deferred Tax Assets	24.19	30.8	29.9	30.54	6.25	1.63
Other Real Estate Owned & Foreclosed	1.99	0.13	0.09	0.61	0.26	0.24
Other Long-Term Assets	65.58	66.77	66.04	56.24	53.74	34.46
Total Assets	3,845	3,582	3,235	2,833	2,396	1,865
Interest Bearing Deposits	2,244	2,022	1,830	1,578	1,341	1,023
Institutional Deposits	433.07	390.91	272.01	262.8	200.6	193.6
Non-Interest Bearing Deposits	673.7	654.23	628.42	672.96	610	436.89
Total Deposits	3,351	3,067	2,731	2,514	2,151	1,654
Short-Term Borrowings	-	22.66	16.73	128.18	9.75	13.65
Current Portion of Long-Term Debt	25	80	80	-	-	-
Current Portion of Leases	0.84	0.67	-	-	-	-
Accrued Interest Payable	1.73	2.36	2.18	1.3	0.6	0.46
Long-Term Debt	39.62	39.56	39.49	39.42	39.34	20.39
Federal Home Loan Bank Debt, Long-Term	125	125	150	-	-	-
Long-Term Leases	5.33	2.17	3.41	3.72	3.42	1.72
Other Long-Term Liabilities	19.35	15.56	14.45	12.55	11.82	8.35
Total Liabilities	3,568	3,355	3,037	2,699	2,216	1,698
Common Stock	7.79	7.68	7.67	6.67	6.57	6.53
Additional Paid-In Capital	140.44	137.24	137.02	104.29	101.58	100.71
Retained Earnings	178.85	151.82	124.33	100.83	75.82	53.39
Treasury Stock	-1.59	-1.7	-0.5	-0.31	-0.07	-0.76
Comprehensive Income & Other	-48.61	-67.98	-70.19	-77.45	-4.34	6.58
Shareholders' Equity	276.89	227.06	198.34	134.03	179.56	166.45
Total Liabilities & Equity	3,845	3,582	3,235	2,833	2,396	1,865
Total Debt	195.78	270.07	289.63	171.32	52.52	35.77
Net Cash (Debt)	52.48	-80.11	-212.87	-92.33	12.85	28.66
Net Cash Growth	-	-	-	-	-55.15%	244.28%
Net Cash Per Share	6.73	-10.36	-30.13	-13.68	1.94	4.36
Filing Date Shares Outstanding	7.75	7.76	7.67	6.67	6.63	6.53
Total Common Shares Outstanding	7.75	7.63	7.66	6.66	6.57	6.5
Book Value Per Share	35.75	29.77	25.91	20.13	27.34	25.60
Tangible Book Value	248.45	198.31	169.08	104.09	148.76	134.58
Tangible Book Value Per Share	32.08	26.00	22.08	15.64	22.65	20.70

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