BlastPoint's Banking Scorecard

River City Bank

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

Designations: ✓ Community bank

Sacramento, CA

9 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA

River City Bank has 3 strengths but faces 4 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 29.25% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 47.2% in tier
- Net Interest Margin 1.32% below tier average
- Non-Interest Income / Assets 0.21% below tier average
- ROA 0.15% below tier average

Get updates when River City Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$6.0B +14.4% YoY +4.2% QoQ	+$3.2B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 10.4% in tier
Total Loans ?	$4.5B +7.9% YoY -0.5% QoQ	+$2.5B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 9.4% in tier
Total Deposits ?	$5.4B +15.4% YoY +4.6% QoQ	+$3.0B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 8.9% in tier
Return on Assets ?	1.21% +28.4% YoY -4.3% QoQ	-0.15%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	2.50% -5.0% YoY -9.8% QoQ	-1.32%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 5.7% in tier
Efficiency Ratio ?	31.81% -18.1% YoY +1.6% QoQ	-29.25%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 2.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	82.65% -6.5% YoY -4.9% QoQ	-1.55%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	15.69% -17.0% YoY -13.4% QoQ	-5.60%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.14% +6.4% YoY +3.0% QoQ	-2.02%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.05% +154.4% YoY +205.5% QoQ	-0.21%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 9.2% in tier

Get Full Access to River City Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#18 of 36 • Bottom 47.2% 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: 15.69%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 31.81%

Peer Median: 61.06%

#26 of 884 Top 2.8% in $1B-$10B

Total Deposits

size

Value: $5.39B

Peer Median: $2.34B

#80 of 884 Top 8.9% in $1B-$10B

Total Loans

size

Value: $4.45B

Peer Median: $1.96B

#84 of 884 Top 9.4% in $1B-$10B

Total Assets

size

Value: $6.05B

Peer Median: $2.82B

#93 of 884 Top 10.4% in $1B-$10B

Top Weaknesses (2 metrics)

835

Net Interest Margin

profitability

Value: 2.50%

Peer Median: 3.82%

#835 of 884 Bottom 5.7% in $1B-$10B

804

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#804 of 884 Bottom 9.2% in $1B-$10B