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River City Bank

$1B-$10B Specialty: Commercial CA FDIC cert 18983

Designations: ✓ Community bank

Sacramento, CA

9 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +18.9% year over year ($5.4B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.26%.
  • Efficiency ratio 30.55% vs a 59.73% peer average.
  • Loan-to-deposit ratio 83.74% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

River City Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 29.18% below tier average
  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 60.9% in tier
  • - Net Interest Margin 1.39% below tier average
  • - ROA 0.13% below tier average
Get updates when River City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $6.0B
+13.5% YoY -0.1% QoQ
+$3.2B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 9.9% in tier
Total Loans ? $4.5B
+7.3% YoY +1.1% QoQ
+$2.5B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 8.7% in tier
Total Deposits ? $5.4B
+18.9% YoY -0.2% QoQ
+$3.1B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 8.5% in tier
Return on Assets ? 1.26%
+19.3% YoY +4.0% QoQ
-0.13% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 2.48%
-7.5% YoY -0.7% QoQ
-1.39% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 4.6% in tier
Efficiency Ratio ? 30.55%
-14.9% YoY -4.0% QoQ
-29.18% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 2.1% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.87% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 83.74%
-9.7% YoY +1.3% QoQ
-1.29% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 15.35%
-14.9% YoY -2.1% QoQ
-5.92% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.18%
+5.8% YoY +0.3% QoQ
-1.67% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.12%
+195.2% YoY +155.9% QoQ
-0.41% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 12.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 15.4%
-2.7pp YoY
-0.3pp QoQ
 -6.0pp 21.4% 25.5% 22.2% 28%
Brokered Deposits 29.0%
+1.3pp YoY
+2.1pp QoQ
 +19.6pp 9.5% 11.0% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 3.2%
-0.3pp YoY
+0.2pp QoQ
 -10.8pp 14.0% 11.8% 12.5% 10%
CRE 93.0%
+0.4pp YoY
-0.3pp QoQ
 +43.0pp 50.0% 67.5% 41.4% 100%
1-4 Family 4.5%
-0.4pp YoY
-0.1pp QoQ
 -22.0pp 26.4% 16.5% 31.3% 6%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.3% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 13.2%
+0.7pp YoY
0.0pp QoQ
 -2.4pp 15.6% 23.7% 19.7% 44%
Leverage Ratio 9.2%
-0.2pp YoY
-0.1pp QoQ
 -2.1pp 11.3% 14.5% 12.6% 17%
Total Capital Ratio 14.4%
+0.7pp YoY
0.0pp QoQ
 -2.3pp 16.7% 25.1% 20.8% 46%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 156
+2 (+1.3%) YoY
-2 (-1.3%) QoQ
 -158 313 337 482 24%
Assets per Employee ($) $38.7M
+12.1% YoY
+1.2% QoQ
 +$28.3M $10.5M $11.3M $8.8M 98%
Branch Count 9
0 YoY
0 QoQ
 -11 20 15 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.8% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.3pp 0.3% 0.3% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 13.4%
+2.3pp YoY
+0.5pp QoQ
 +0.8pp 12.6% 8.2% 11.6% 61%
Cost of Funds (YTD) 2.6%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.9% 1.9% 1.7% 88%
Net Income ($, YTD) $37.6M
+35.5% YoY
— QoQ
 +$18.3M $19.2M $28.5M $40.4M 87%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#29 of 46 • Bottom 60.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.35%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
20
Efficiency Ratio
profitability
Value: 30.55%
Peer Median: 59.73%
#20 of 885 Top 2.1% in $1B-$10B
76
Total Deposits
size
Value: $5.37B
Peer Median: $2.32B
#76 of 885 Top 8.5% in $1B-$10B
78
Total Loans
size
Value: $4.50B
Peer Median: $1.96B
#78 of 885 Top 8.7% in $1B-$10B
89
Total Assets
size
Value: $6.04B
Peer Median: $2.79B
#89 of 885 Top 9.9% in $1B-$10B

Top Weaknesses (2 metrics)

845
Net Interest Margin
profitability
Value: 2.48%
Peer Median: 3.87%
#845 of 885 Bottom 4.6% in $1B-$10B
772
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.53%
#772 of 885 Bottom 12.9% in $1B-$10B
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