River City Bank
River City Bank reported total assets of $6.0 bn at Q2 2026, up 13.5% on a year earlier, the 247th largest of 497 banks in our US coverage. The CET1 capital ratio at River City Bank was 13.18%, and the uninsured share of River City Bank was 37.15%. Source: FDIC Call Reports.
Key takeaways
- River City Bank reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, River City Bank climbed from 299th to 216th among 448 US banks between and (1 = highest; FDIC Call Reports).
- The efficiency ratio of River City Bank, 30.55% at , places River City Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%; FDIC Call Reports).
What sets River City Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower net interest margin than River City Bank, at 2.48% in ; the group median is 3.66%.
- River City Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.06%.
How large is River City Bank?
The balance sheet of River City Bank at : assets $6.0 bn, deposits $5.4 bn, net loans $4.5 bn (loans equal to 83.74% of deposits). Securities make up 16.3% of total assets at River City Bank. Since , when River City Bank held $1.5 bn, its assets grew 295.0%. In the year to , deposits at River City Bank rose 18.9% while its total assets rose 13.5%. At , River City Bank employed 156 full-time equivalent staff across 9 offices, about $38.7 mn of assets per employee and $597.2 mn of deposits per office.
How much funding at River City Bank is uninsured?
At River City Bank, uninsured deposits (above the FDIC limit) made up 37.15% of domestic deposits at (+2.16 pp on a year earlier); River City Bank ranks 228th of 500 on this measure. In dollars, River City Bank estimated $2.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.4 bn | +18.9% | 233rd of 499 |
| Net loans and leases | $4.5 bn | +7.3% | 230th of 500 |
| Loan-to-deposit ratio | 83.74% | -9.00 pp | 296th of 500 |
| Tier 1 leverage ratio | 9.22% | -0.20 pp | 406th of 500 |
| Total risk-based capital ratio | 14.44% | +0.73 pp | 217th of 448 |
| Net interest margin | 2.48% | -0.20 pp | 461st of 500 |
| Return on assets (ROA) | 1.26% | +0.20 pp | 274th of 500 |
| Efficiency ratio | 30.55% | -5.36 pp | 24th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.9 mn | Widened by $2.3 mn | |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 41st of 500 (1 = lowest) |
US rank of River City Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
River City Bank: assets, deposits and loans
- Total assets $6.0bn
- Deposits $5.4bn
- Net loans $4.5bn
Capital and securities
The CET1 ratio of River City Bank stood at 13.18% in , +0.73 pp year on year. Low and high at River City Bank since : 10.87% () to 13.18% (). Equity capital of River City Bank at : $567.9 mn, or 9.4% of total assets. River City Bank also reported a total capital ratio of 14.44% for , and a tier 1 leverage ratio of 9.22%.
The available-for-sale portfolio of River City Bank showed an unrealized loss of $7.9 mn at ; the loss widened by $2.3 mn over the year.
River City Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.2%
River City Bank: unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity $0
Profitability and loan quality
For the year to , River City Bank earned a return on equity of 13.41%; return on assets: 1.26%. Net interest margin at River City Bank: 2.48%, -0.20 pp in a year. River City Bank net income: $37.6 mn, up 35.5% year on year. The efficiency ratio of River City Bank was 30.55%: about 31 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at River City Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at River City Bank: $4.6 bn, up 7.3% in a year.
River City Bank: profitability
- Return on equity 13%
- Net interest margin 2.5%
- Return on assets 1.3%
Peer group of River City Bank
The peer group of River City Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of River City Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in California. Against them, River City Bank shows CET1 ratio 13.18% against a peer median of 12.50%, return on equity 13.41% against a peer median of 13.62% and uninsured deposit share 37.15% against a peer median of 47.11%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| CFG Bank | State nonmember bank | MD | $6.1 bn | 12.50% | 13.33% | 14.69% | |
| SmartBank | State member bank | TN | $6.1 bn | 11.38% | 10.34% | 47.93% | |
| Bradesco Bank | State nonmember bank | FL | $6.1 bn | 13.93% | 9.99% | 63.89% | |
| River City Bank | State nonmember bank | CA | $6.0 bn | 13.18% | 13.41% | 37.15% | |
| Banesco USA | State nonmember bank | FL | $6.0 bn | not reported | 13.92% | 62.37% | |
| Wilson Bank and Trust | State nonmember bank | TN | $6.0 bn | 14.35% | 14.98% | 25.36% | |
| Fremont Bank | State nonmember bank | CA | $6.0 bn | 10.69% | 14.72% | 46.30% | |
. FDIC Call Reports.
Last eight quarters
Two years at River City Bank, to : assets +18.2%, deposits +20.8%, equity +21.7%. Staff 150 to 156.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.1 bn | $5.1 bn | $5.3 bn | $5.3 bn | $5.5 bn | $5.8 bn | $6.0 bn | $6.0 bn |
| Total deposits | $4.4 bn | $4.5 bn | $4.7 bn | $4.5 bn | $4.9 bn | $5.1 bn | $5.4 bn | $5.4 bn |
| Bank equity capital | $466.7 mn | $484.7 mn | $497.9 mn | $510.0 mn | $527.7 mn | $548.5 mn | $563.9 mn | $567.9 mn |
| CET1 ratio | 11.83% | 12.25% | 12.35% | 12.45% | 12.58% | 12.75% | 13.14% | 13.18% |
| Return on equity (ROE) | 15.74% | 16.30% | 10.02% | 11.14% | 12.51% | 13.32% | 12.91% | 13.41% |
| Uninsured share of domestic deposits | 38.92% | 38.18% | 36.06% | 34.99% | 36.80% | 38.37% | 39.03% | 37.15% |
| Full-time equivalent employees | 150 | 154 | 158 | 154 | 160 | 156 | 158 | 156 |
| Number of offices | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by River City Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of River City Bank?
River City Bank reported $6.0 bn at in its Call Report. That makes River City Bank the 247th largest of 497 banks in our US coverage.
Is River City Bank profitable?
River City Bank reported net income of $37.6 mn for the year to ; annualized return on equity: 13.41%. So yes: River City Bank made a profit over these months.
When is data for River City Bank next updated?
Figures from River City Bank for are due after .
Where can I check the figures for River City Bank?
In the FDIC BankFind Suite record for certificate 18983, and in the Call Reports of River City Bank (RSSD ID 253468) at the FFIEC Central Data Repository.