BlastPoint's Banking Scorecard

River Valley Community Bank

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

Yuba City, CA

5 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

River Valley Community Bank has 1 strength but faces 5 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 12.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.1% in tier
- Cost Spiral: Bottom 67.5% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.64% below tier average
- Net Interest Margin 0.76% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$764.2M +20.3% YoY +0.5% QoQ	+$378.1M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 10.0% in tier
Total Loans ?	$393.0M +13.3% YoY -0.1% QoQ	+$137.3M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$670.5M +15.9% YoY +0.6% QoQ	+$342.5M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 8.6% in tier
Return on Assets ?	0.63% -23.5% YoY -12.8% QoQ	-0.64%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.17% -4.3% YoY -3.3% QoQ	-0.76%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	70.77% +10.7% YoY +4.8% QoQ	+5.48%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.02% -71.3% QoQ	-0.87%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	58.62% -2.2% YoY -0.7% QoQ	-18.01%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	25.12% -19.5% YoY -5.0% QoQ	+3.10%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.01% -71.5% QoQ	-0.63%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 14.4% in tier
Tier 1 Capital Ratio ?	13.72% -3.0% YoY +0.5% QoQ	-2.11%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.03% -29.9% YoY -80.0% QoQ	-0.25%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 6.0% in tier

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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

#86 of 664 • Top 12.8% in tier

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

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#55 of 1308 • Bottom 4.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Cost Spiral

risk

#86 of 126 • Bottom 67.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 70.77%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

231

Total Deposits

size

Value: $670.46M

Peer Median: $327.97M

#231 of 2664 Top 8.6% in $100M-$1B

268

Total Assets

size

Value: $764.21M

Peer Median: $386.08M

#268 of 2664 Top 10.0% in $100M-$1B

384

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#384 of 2664 Top 14.4% in $100M-$1B

432

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#432 of 2654 Top 16.2% in $100M-$1B

455

Loan-to-Deposit Ratio

liquidity

Value: 58.62%

Peer Median: 76.64%

#455 of 2664 Top 17.0% in $100M-$1B

562

Total Loans

size

Value: $393.04M

Peer Median: $255.72M

#562 of 2664 Top 21.1% in $100M-$1B

Top Weaknesses (3 metrics)

2504

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2504 of 2664 Bottom 6.0% in $100M-$1B

2217

Net Interest Margin

profitability

Value: 3.17%

Peer Median: 3.93%

#2217 of 2664 Bottom 16.8% in $100M-$1B

2203

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.27%

#2203 of 2664 Bottom 17.3% in $100M-$1B