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River Financial Corporation provided an update on a previously disclosed material cybersecurity incident. An unauthorized threat actor accessed portions of its network and removed certain data from its environment, and the company is working to determine the nature and scope of the information involved, including whether any personally identifiable information was affected. River states it is not aware of any reports of fraud as a direct result of the incident. Following public disclosure, two class action lawsuits were filed against River relating to the incident, and the company is evaluating the complaints and plans to respond in the ordinary course. The full nature, scope, and impact of the incident, including whether it is reasonably likely to materially impact River’s business or financial condition, have not yet been determined, and River expects to file another amendment within four business days after such information becomes available.
River Financial Corporation is updating investors on an ongoing cybersecurity incident investigation. The company now believes certain data was potentially impacted and is working to determine the nature and scope of the information involved, including whether any personally identifiable information was affected.
So far, there is no evidence that customer accounts have been impacted. As of this filing, the full nature, scope, and impact of the incident remain undetermined, and the company has not concluded whether it is reasonably likely to materially affect its business or financial condition. River plans to file a further amendment within four business days after relevant information becomes available.
River Financial Corporation reported a cybersecurity incident involving ransomware affecting its network, including River Bank & Trust. An unauthorized threat actor accessed its environment on or about June 16, 2026, and ransomware was deployed across parts of its server infrastructure, discovered on or about June 19, 2026.
The company quickly disabled affected administrative accounts and took impacted systems offline, and is working with a third-party forensic firm and external cybersecurity professionals to investigate and restore operations. The investigation into whether any personally identifiable information was accessed or taken is ongoing, and River has not yet determined whether the incident is reasonably likely to materially impact its business or financial condition. The company plans to amend this report within four business days after it determines additional information is available.
River Financial Corporation reported the results of its 2026 Annual Meeting of Stockholders held on May 19, 2026. Stockholders re-elected all incumbent director nominees to serve until the 2027 annual meeting and until their successors are elected and qualified. Each nominee received roughly 4.1 million votes in favor, with only small numbers of votes against, abstentions, or broker non-votes reported for certain directors.
River Financial Corporation reported stronger first‑quarter 2026 results. Net income rose to $14.1 million from $8.5 million a year earlier, and basic earnings per share increased to $1.81 from $1.09. Net interest income grew to $33.3 million, supported by a higher net interest margin of 3.73% versus 3.31% in the prior‑year quarter.
Total assets reached $3.92 billion at March 31, 2026, up from $3.79 billion at year‑end 2025, driven by loan growth and a larger securities portfolio. Loans rose to $2.75 billion, and total deposits increased to $3.45 billion, improving funding for balance sheet expansion.
Credit quality remained managed with an allowance for credit losses of $37.9 million and nonaccrual loans concentrated within real estate and commercial categories. Stockholders’ equity increased to $297.7 million, lifting book value per share to $38.91 and tangible book value per share to $35.29.
River Financial Corporation reported sharply improved performance for the period ended March 31, 2026, highlighted by a 24.4% rise in tangible book value per share from $28.36 to $35.29. Year-to-date net income grew from $8.5 million to $14.2 million, a 67.3% increase, and basic earnings per share rose 66.1% from $1.09 to $1.81.
Profitability ratios strengthened, with year-to-date return on average equity improving to 18.6% from 14.3%, annualized quarter-to-date return on average assets rising to 1.55% from 0.99%, and net interest margin expanding to 3.73% from 3.31%. Total assets reached $3.92 billion, loans $2.74 billion, and deposits $3.45 billion, all up high single digits year over year.
Asset quality remained solid though slightly weaker, as nonperforming loans increased as a percentage of total loans from 0.33% to 0.50% and net charge-offs rose from 0.00% to 0.02%. Capital ratios improved, including a total risk-based capital ratio of 13.82% and common equity tier 1 capital ratio of 11.15% as of March 31, 2026.
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.