BlastPoint's Banking Scorecard

River Valley Community Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58276

Yuba City, CA

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits +28.2% year over year ($704.9M on the books).
Delinquency rate 0.00%.
Return on assets 0.67%.
Efficiency ratio 69.45% vs a 64.48% peer average.
Loan-to-deposit ratio 56.79% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

River Valley Community Bank has 2 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

+ Credit Quality Leader: Top 48.9% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.66% below tier average
- Net Interest Margin 0.79% below tier average
- Efficiency Ratio 4.97% above tier average

Get updates when River Valley Community 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 ?	$793.1M +30.2% YoY +3.8% QoQ	+$406.5M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 8.4% in tier
Total Loans ?	$400.3M +12.3% YoY +1.9% QoQ	+$142.0M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$704.9M +28.2% YoY +5.1% QoQ	+$378.2M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 6.4% in tier
Return on Assets ?	0.67% -14.9% YoY +5.8% QoQ	-0.66%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.20% -4.7% YoY +0.9% QoQ	-0.79%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	69.45% +6.1% YoY -1.9% QoQ	+4.97%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	56.79% -12.4% YoY -3.1% QoQ	-21.16%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Top 14.2% in tier
Non-Interest-Bearing Deposit Share ?	24.30% -17.6% YoY -3.2% QoQ	+2.27%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.82% -2.4% YoY +0.7% QoQ	-2.09%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.06% -25.1% YoY +133.7% QoQ	-0.51%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 7.3% 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	24.3% -5.2pp YoY -0.8pp QoQ	+2.2pp	22.1%	25.5%	22.2%	63%
Brokered Deposits	2.6% +1.0pp YoY +0.8pp QoQ	-5.3pp	7.9%	11.0%	8.5%	35%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	7.7% -2.2pp YoY -2.2pp QoQ	-3.8pp	11.6%	11.8%	12.5%	38%
CRE	84.7% -0.8pp YoY +1.1pp QoQ	+45.2pp	39.5%	67.5%	41.4%	99%
1-4 Family	3.8% +0.5pp YoY -0.2pp QoQ	-28.8pp	32.6%	16.5%	31.3%	4%
Consumer	1.9% +1.9pp YoY +1.4pp QoQ	-2.2pp	4.1%	5.3%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	13.8% -0.3pp YoY +0.1pp QoQ	-5.0pp	18.8%	23.7%	19.7%	38%
Leverage Ratio	8.7% -1.8pp YoY -0.2pp QoQ	-3.4pp	12.2%	14.5%	12.6%	9%
Total Capital Ratio	14.9% -0.4pp YoY +0.1pp QoQ	-5.0pp	19.9%	25.1%	20.8%	37%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	85 +17 (+25.0%) YoY +8 (+10.4%) QoQ	+26	58	337	482	80%
Assets per Employee ($)	$9.3M +4.2% YoY -6.0% QoQ	+$1.8M	$7.5M	$11.3M	$8.8M	82%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	15	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0%	-0.1pp	0.1%	0.3%	0.2%	65%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	8.6% -0.5pp YoY +0.5pp QoQ	-3.6pp	12.2%	8.2%	11.6%	29%
Cost of Funds (YTD)	1.8% +0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.9%	1.7%	55%
Net Income ($, YTD)	$2.6M +6.8% YoY — QoQ	+$21K	$2.6M	$28.5M	$40.4M	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Credit Quality Leader

growth

#323 of 659 • Top 48.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

170

Total Deposits

size

Value: $704.92M

Peer Median: $326.73M

#170 of 2643 Top 6.4% in $100M-$1B

222

Total Assets

size

Value: $793.11M

Peer Median: $386.57M

#222 of 2643 Top 8.4% in $100M-$1B

375

Loan-to-Deposit Ratio

liquidity

Value: 56.79%

Peer Median: 77.95%

#375 of 2643 Top 14.2% in $100M-$1B

545

Total Loans

size

Value: $400.34M

Peer Median: $258.35M

#545 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (3 metrics)

2452

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2452 of 2643 Bottom 7.3% in $100M-$1B

2219

Net Interest Margin

profitability

Value: 3.20%

Peer Median: 3.99%

#2219 of 2643 Bottom 16.1% in $100M-$1B

2182

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.32%

#2182 of 2643 Bottom 17.5% in $100M-$1B