River Valley Bancorp (River Valley) is a thrift holding company of River Valley Financial Bank (the Bank). The Bank operates under a federal thrift charter and provides banking services, in a single business segment. The Bank generates commercial, mortgage and consumer loans and receives deposits from customers located primarily in southeastern Indiana and adjacent areas in Kentucky. The Bank�s loans are generally secured by specific items of collateral including real property, consumer assets and business assets. In November 2012, the Company acquired Dupont State Bank. In November 2013, the Company acquired deposit relationships, real estate, and fixed assets of the Osgood, Indiana branch office of Old National Bank.