---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-243279"
form_type: "8-K"
ticker: "RVRF"
cik: "0001641601"
company_name: "River Financial Corp"
filed_at: "2025-10-20T23:59:59+00:00"
generated_at: "2026-05-17T03:14:24.262723+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# River Financial Q3 net income up 23.3%; YTD EPS $4.03 (+39.9%); tangible book value +20.2%

## Summary
- Q3 2025 net income $10.7M, up 23.3% from $8.7M a year ago; basic EPS $1.38 vs $1.13.
- YTD net income $31.2M, +41.2%; YTD basic EPS $4.03 (+39.9%).
- Net interest margin expanded to 3.45% in Q3 vs 2.88% prior year; YTD NIM 3.37% vs 2.79%.
- Total assets grew 10% to $3.84B; deposits +10.3% to $3.35B; loans +8.9% to $2.64B.
- Nonperforming loans ratio improved to 0.29% from 0.47%; insider trading policy window expanded (Item 8.01).

## SEC filing metadata
- accession: 0001193125-25-243279
- form_type: 8-K
- ticker: RVRF
- cik: 0001641601
- company_name: River Financial Corp
- filed_at: 2025-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1641601/000119312525243279/0001193125-25-243279-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1641601/000119312525243279/ck0001641601-20251015.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-243279
- JSON: https://secwatch.observer/filing/0001193125-25-243279.json
- Plain text: https://secwatch.observer/filing/0001193125-25-243279.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.