BlastPoint's Banking Scorecard

River City Bank

$100M-$1B Specialty: Commercial GA FDIC cert 58289

Rome, GA

2 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

River City Bank shows strong momentum with 6 strengths and 12.8% YoY asset growth

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

+ Revenue Diversifier: Top 37.2% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.41% above tier average
+ Net Interest Margin 0.75% above tier average
+ Efficiency Ratio 7.54% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when River City Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$416.9M +12.8% YoY +4.8% QoQ	+$30.8M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$316.4M +15.2% YoY +6.0% QoQ	+$60.7M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$375.7M +12.0% YoY +4.8% QoQ	+$47.7M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	1.68% +3.3% YoY +6.7% QoQ	+0.41%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.68% +0.7% YoY +1.0% QoQ	+0.75%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 13.6% in tier
Efficiency Ratio ?	57.75% +2.4% YoY -5.9% QoQ	-7.54%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	84.21% +2.9% YoY +1.2% QoQ	+7.57%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	21.54% -12.2% YoY -2.8% QoQ	-0.48%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.91% +5.1% YoY -0.2% QoQ	-2.92%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.25% -5.1% YoY -73.8% QoQ	-0.03%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 9.4% 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)

Revenue Diversifier

growth

#249 of 666 • Top 37.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.68%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

251

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#251 of 2664 Top 9.4% in $100M-$1B

363

Net Interest Margin

profitability

Value: 4.68%

Peer Median: 3.93%

#363 of 2664 Top 13.6% in $100M-$1B

626

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#626 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available