Welcome to our dedicated page for River Financial SEC filings (Ticker: RVRF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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River Financial Corporation is holding its 2026 Annual Meeting of Stockholders on May 19, 2026 at 5:30 p.m. CST at The Legends Conference Center in Prattville, Alabama. Stockholders will vote on electing nine directors to one-year terms and may consider any other properly raised business.
Holders of common stock as of the March 25, 2026 record date can vote, with 7,812,617 shares outstanding on that date. Directors and executive officers of River Financial Corporation and River Bank & Trust, together with the bank’s Employee Stock Ownership Plan, have indicated they will vote approximately 27.59% of the common stock in favor of all director nominees. Directors and executive officers of the Company as a group beneficially own 995,888 shares, or 12.75% of the common stock, and the ESOP holds 217,095 shares, or 2.78%.
River Financial Corporation files its 2025 annual report, outlining its community banking model centered in Alabama and the Florida Panhandle through River Bank & Trust. The company operates 23 full-service offices plus loan production offices, focusing on a “deposit first” funding strategy and conservative lending.
As of December 31, 2025, River reports $3.79 billion in total assets, $2.71 billion in total loans, $3.33 billion in deposits, and $293.6 million in stockholders’ equity. Real estate loans make up 76.6% of loans, with notable concentrations in residential and commercial properties, commercial and industrial credits, and consumer loans.
The filing details competitive pressures from larger banks and non-bank rivals, extensive regulatory oversight, and interest-rate sensitivity, including modeled declines in net interest income under both rising and falling rate scenarios. It also emphasizes cybersecurity, compliance, and numerous banking regulations as ongoing operational and strategic risks.
River Financial Corporation filed a current report describing a new cash dividend for its shareholders. The Board of Directors has declared a dividend payment of $1.00 per share.
Shareholders of record as of February 13, 2026 will be eligible to receive this dividend. The company communicated this decision in a shareholder letter dated January 26, 2026, which is included as Exhibit 99.1 to the report.
River Financial Corporation furnished a press release announcing its financial results for the year ended December 31, 2025. The company issued the release on January 20, 2026 and attached it as Exhibit 99.1, making it part of this report by reference. The report clarifies that this earnings information is being provided under a specific disclosure item and is treated as furnished rather than filed under securities law.
River Financial Corporation filed a current report to let investors know it has released financial results for the quarter ended December 31, 2025. On January 20, 2026, the company issued a press release with these quarterly results, which is attached as Exhibit 99.1 to the report and incorporated by reference. The filing clarifies that this earnings information is being furnished under securities law disclosure rules rather than formally filed, which affects how it is treated for legal liability and future references in other regulatory documents.
River Financial Corporation filed a Form S-8 registering 500,000 shares of common stock, par value $1.00, for issuance under the River Bank & Trust 401(k) Employee Stock Ownership Plan.
The company is authorized to issue 15,000,000 common shares, of which 7,749,999 were outstanding as of December 15, 2025. Each common share carries one vote, with no cumulative voting, and there are no redemption, sinking fund, conversion or preemptive rights. Dividends may be paid at the discretion of the board subject to Alabama corporate law and banking regulations, and common shareholders share in remaining assets upon liquidation after debts are paid.
The document also outlines governance terms, including a board size between 7 and 12 directors, shareholder rights to remove directors with or without cause at meetings called specifically for that purpose, and provisions limiting director monetary liability and permitting indemnification and insurance for directors and officers within the bounds of Alabama law.
River Financial Corporation reported Q3 2025 results with stronger profitability and balance sheet growth. Net income was $10,674 thousand versus $8,653 thousand a year ago, and basic EPS rose to $1.38 from $1.13. Net interest income increased to $31,355 thousand from $23,976 thousand as loan interest rose. The provision for credit losses was $1,686 thousand compared with $1,326 thousand.
Assets reached $3,844,608 thousand as of September 30, 2025, up from $3,582,206 thousand at year-end 2024, driven by loan growth to $2,648,819 thousand (gross) and higher cash. Deposits totaled $3,350,861 thousand versus $3,067,159 thousand. The allowance for credit losses was $35,043 thousand. Securities realized a net loss of $3,472 thousand in the quarter and $6,970 thousand year-to-date, while accumulated other comprehensive loss improved to $(38,717) thousand from $(61,658) thousand, reflecting market value recovery. Stockholders’ equity increased to $276,885 thousand. Shares outstanding were 7,745,000 as of September 30, 2025, and 7,750,000 as of November 3, 2025. Dividends declared were $0.54 per share for the nine months ended September 30, 2025.