BlastPoint's Banking Scorecard
River City Bank, Inc.
Louisville, KY
7 branches across KY · IN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits -0.4% year over year ($438.3M on the books).
- Delinquency rate 0.36%.
- Return on assets 1.02%.
- Efficiency ratio 64.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.18% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
River City Bank, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 45.4% in tier
- - ROA 0.30% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$494.9M
-2.1% YoY
+1.0% QoQ
|
+$108.3M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$373.3M
-1.8% YoY
+1.7% QoQ
|
+$115.0M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$438.3M
-0.4% YoY
-0.1% QoQ
|
+$111.5M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.02%
+87.7% YoY
+29.9% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.46%
+7.4% YoY
+1.6% QoQ
|
-0.53% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
64.49%
-16.3% YoY
-9.0% QoQ
|
+0.01% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? | 0.36% | -0.56% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
85.18%
-1.5% YoY
+1.7% QoQ
|
+7.23% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
12.86%
-8.3% YoY
+7.5% QoQ
|
-9.17% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? | 0.27% | -0.40% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
14.81%
+14.7% YoY
+2.7% QoQ
|
-1.10% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.27%
+55.5% YoY
+213.8% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.9%
-1.2pp YoY +0.9pp QoQ |
-9.3pp | 22.1% | 23.5% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
-1.9pp YoY -0.2pp QoQ |
-7.6pp | 11.6% | 8.6% | 12.5% | 14% |
| CRE |
66.8%
+1.0pp YoY -0.3pp QoQ |
+27.3pp | 39.5% | 37.1% | 41.4% | 91% |
| 1-4 Family |
28.6%
+1.0pp YoY +0.7pp QoQ |
-4.0pp | 32.6% | 41.6% | 31.3% | 48% |
| Consumer |
0.3%
-0.4pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 4.8% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
+1.9pp YoY +0.4pp QoQ |
-4.0pp | 18.8% | 20.2% | 19.7% | 47% |
| Leverage Ratio |
11.7%
+1.2pp YoY +0.2pp QoQ |
-0.5pp | 12.2% | 14.0% | 12.6% | 61% |
| Total Capital Ratio |
15.5%
+1.9pp YoY +0.4pp QoQ |
-4.4pp | 19.9% | 21.3% | 20.8% | 43% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
70
+3 (+4.5%) YoY 0 QoQ |
+11 | 58 | 105 | 482 | 71% |
| Assets per Employee ($) |
$7.1M
-6.3% YoY +1.0% QoQ |
-$449K | $7.5M | $6.3M | $8.8M | 54% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 8 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | 0.4% | -0.6pp | 0.9% | 0.8% | 1.0% | 44% |
| Allowance Coverage | 1.91x | -22.25x | 24.15x | 7.45x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+3.8pp YoY +2.3pp QoQ |
-1.9pp | 12.2% | 13.3% | 11.6% | 39% |
| Cost of Funds (YTD) |
2.9%
-0.4pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.7% | 1.7% | 96% |
| Net Income ($, YTD) |
$2.5M
+86.3% YoY — QoQ |
-$47K | $2.6M | $5.1M | $40.4M | 62% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.