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 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.