River Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	176.87	169.11	147.73	112.87	73.07	62.06
Interest Income on Investments	30.45	28.5	22.39	19.39	15.8	9.74
Total Interest Income	207.32	197.61	170.11	132.26	88.87	71.8
Interest Paid on Deposits	68.18	68.03	66.03	43.81	7.8	4.04
Interest Paid on Borrowings	7.01	7.91	9.63	9.14	2.18	1.61
Total Interest Expense	75.19	75.94	75.66	52.95	9.99	5.65
Net Interest Income	132.13	121.67	94.45	79.31	78.89	66.15
Net Interest Income Growth	22.82%	28.82%	19.09%	0.53%	19.26%	19.67%
Mortgage Banking Activities	6.8	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	15.26	14.58	13.56	16.76	9.57	7.76
Total Non-Interest Income	15.36	10.45	15.41	20.6	12.24	14.54
Non-Interest Income Growth	-1.17%	-32.16%	-25.19%	68.26%	-15.82%	23.18%
Revenues Before Loan Losses	147.49	132.12	109.86	99.91	91.13	80.69
Provision for Loan Losses	7.9	7.24	5.79	5.24	3.84	4.74
Revenue	139.59	124.88	104.07	94.66	87.29	75.95
Revenue Growth	19.73%	20.00%	9.94%	8.45%	14.94%	29.90%
Salaries and Employee Benefits	45.98	42.01	37.79	36.16	30.26	27.01
Federal Deposit Insurance	2.46	2.69	2.82	2.65	1.32	1.3
Selling, General & Administrative	16.17	16.3	13.79	13.34	11.44	9.26
Other Non-Interest Expense	9.96	9.21	8.27	8.86	8.39	6.25
Total Non-Interest Expense	74.8	70.29	62.95	61.08	51.41	43.75
EBT Excluding Unusual Items	64.78	54.59	41.12	33.59	35.88	32.2
Pretax Income	64.78	54.59	41.12	33.59	35.88	32.2
Income Tax Expense	15.23	12.48	9.8	6.85	7.95	7.16
Net Income	49.56	42.11	31.32	26.74	27.93	25.04
Net Income to Common	49.56	42.11	31.32	26.74	27.93	25.04
Net Income Growth	29.02%	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	1.41%	1.29%	9.43%	4.67%	2.06%	0.64%
EPS (Basic)	6.37	5.43	4.09	3.84	4.21	3.83
EPS (Diluted)	6.28	5.38	4.05	3.79	4.14	3.79
EPS Growth	27.15%	32.84%	6.86%	-8.45%	9.23%	45.77%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	1.000	0.540	0.500	0.480	0.440	0.400
Dividend Growth	85.19%	8.00%	4.17%	9.09%	10.00%	11.11%
Effective Tax Rate	23.51%	22.86%	23.84%	20.39%	22.15%	22.25%