River Valley Community Bancorp · OTC:RVCB
River Valley Community Bancorp — Shareholder Meeting (May 2026)
18 slides from River Valley Community Bancorp's shareholder meeting presentation, May 19, 2026
Slide 1: Annual Meeting of Shareholders
Annual Meeting of Shareholders “20 Years of Community Banking – Building a stronger, more scalable franchise.” May 19, 2026 Presented by: John M. Jelavich President/CEO
Slide 2: Forward-Looking Statement
Forward-Looking Statement This document may contain comments and information that constitute forward‐looking statements. Forward‐looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by such statements. These
Slide 3: Agenda and Flow of Discussion
Agenda and Flow of Discussion • Celebrating 20 Years • 2025 Strategic Investment Year • 2025 Year-End Key Financial Snapshot • 2026 Priorities and Outlook • Open Q&A Session
Slide 4: Celebrating 20 Years: Proud of the Franchise We've Built
Celebrating 20 Years: Proud of the Franchise We’ve Built • We have stayed true to the clients we were built to serve: local small and mid-sized businesses, professional practices, non-profits, agribusiness, and public agencies — delivered with local knowledge and expertise. • Our relationship-bankin
Slide 5: 2025 Highlights: An Intentional Investment Year
2025 Highlights: An Intentional Investment Year • Strategic Investment Focus • 2025 was focused on capacity building for future growth, prioritizing long-term returns over short- term profits. • Investment guided by the Board-approved long-term plan to exceed $1 billion in total assets, achieve appr
Slide 6: Roseville Expansion: Strategic Rationale
Roseville Expansion: Strategic Rationale FDIC-Insured Deposits by Market ($000s) Source: 2025 FDIC Summary of Deposits Roseville $8.1B Yuba City $2.7B Auburn $2.0B Grass Valley $1.6B Marysville $622M • Roseville rounds out our coverage footprint — enables branch synergy $15B+ in collective market de
Slide 7: Year-End 2025 Key Financial Snapshot
Year-End 2025 Key Financial Snapshot
Slide 8: Growth Trends (in millions)
Growth Trends (in millions) $900 $800 $760 $700 $666 $600 $500 $398 $400 $300 $200 $100 $- 2018 2019 2020 2021 2022 2023 2024 2025 1Q2026 Total Loans (excluding PPP) Total Deposits Total Assets
Slide 9: Net Interest Income / Net Income (in thousands)
Net Interest Income / Net Income(in thousands) Net interest income, before provision Net income 25,000.00 $20,266 20,000.00 15,000.00 10,000.00 $4,411 5,000.00 - 2018 2019 2020 2021 2022 2023 2024 2025
Slide 10: 2026 Priorities and Outlook
2026 Priorities and Outlook • Executing on Our Investments • With foundational investments in place, 2026 is about converting capacity into operating leverage and sustained earnings growth. • Staying the Course • Disciplined growth, core deposit gathering, prudent lending, and expense management rem
Slide 11: 1Q 2026 Highlights (Unaudited)
1Q 2026 Highlights (Unaudited) Our first quarter 2026 results reflect growing momentum across the fundamentals that drive long-term shareholder value: • Net interest income of $5.7 million was up 18.7% year-over-year • Total assets of $764.4 million, up 20.3% year-over-year • Total deposits of $669.
Slide 12: 2025 Investments Driving 2026 Operating Leverage
2025 Investments Driving 2026 Operating Leverage $6,500 $6,000 $5,715 $5,467 $5,500 $5,097 $4,887 $1,376 $5,000 $4,814 $1,368 $4,500 $1,307 $1,337 $1,438 $4,339 $4,000 $4,099 The balance of the year reflected here is illustrative of management’s belief that Operating Leverage can increase (spread ca
Slide 13: US Treasury Yield Curve
US Treasury Yield Curve May 2026 vs. May 2025 · Fed Funds plotted at overnight (day zero) May 2026 (Fed Funds: 3.63%) May 2025 (Fed Funds: 4.33%) 5.25 5 4.75 The return to a positively sloped 4.5 yield curve creates a more 4.25 favorable environment for Net Interest Income and Net 4 Interest Margins
Slide 14: Balance Sheet Flexibility Supports Next Phase of Growth
Balance Sheet Flexibility Supports Next Phase of Growth Kevin Reynolds, EVP Chief Financial Officer Capital Strength • Liquidity & Funding Position 10% • Strong deposit growth has positioned the Bank with meaningful liquidity and funding flexibility entering 2026 • As liquidity is redeployed into hi
Slide 15: Our Relationship Banking Model Continues to Drive Above-Peer Growth
Our Relationship Banking Model Continues to Drive Above-Peer Growth Growth Rate Outperforms Peers • Relationship Banking Momentum • Our growth continues to be driven by local decision-making, relationship banking, and responsiveness to customer needs • These differentiators support both new customer
Slide 16: Market Position/Opportunities
Market Position/Opportunities Luke Parnell, EVP Chief Credit & Lending Officer • 2025 Leadership and Staffing Additions • Board member from Placer County (Bob Sinclair) • Established Market Managers with deep ties to the markets they lead (Matt Peyret and Andrew Tagg) • Experienced and well-known bu
Slide 17: Conclusion
Conclusion • RVCB remains uniquely well positioned in our markets • Our markets reflect considerable growth potential • Our unique community banking roots are deepening in our markets • We continue to lean into our relationship banking model with accessible teams and local decision-making • Our stro
Slide 18: Thank You
Thank You Questions?
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