---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-016353"
form_type: "8-K"
ticker: "RVRF"
cik: "0001641601"
company_name: "River Financial Corp"
filed_at: "2026-01-20T23:59:59+00:00"
generated_at: "2026-05-16T09:33:21.849959+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# River Financial Q4 net income rises 34.5% YoY; tangible book value per share up 31.4%

## Summary
- Net income for 2025 was $42.1M, up 34.5% from $31.3M in 2024.
- Basic EPS $5.43 ($4.09 YoY), Q4 EPS $1.38 ($1.13 YoY).
- Net interest margin expanded to 3.53% for 2025 from 3.01% in 2024.
- Total loans grew 9.1% to $2.71B; deposits up 8.5% to $3.33B.
- Credit quality remained strong: NPLs 0.44%, net charge-offs 0.13%.

## SEC filing metadata
- accession: 0001193125-26-016353
- form_type: 8-K
- ticker: RVRF
- cik: 0001641601
- company_name: River Financial Corp
- filed_at: 2026-01-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1641601/000119312526016353/0001193125-26-016353-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1641601/000119312526016353/ck0001641601-20260120.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-016353
- JSON: https://secwatch.observer/filing/0001193125-26-016353.json
- Plain text: https://secwatch.observer/filing/0001193125-26-016353.txt

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