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River City Bank

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

Rome, GA

2 branches across GA

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 96 in GA.
  • Deposits +14.8% year over year ($380.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.71%.
  • Efficiency ratio 56.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.17% 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 96 in GA
View $100M-$1B leaderboard (GA) →

River City Bank shows strong momentum with 6 strengths and 15.3% 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 38.4% in tier
  • + Credit Quality Leader: Top 49.3% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.39% above tier average
  • + Net Interest Margin 0.75% above tier average
  • + Efficiency Ratio 7.79% 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-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $423.4M
+15.3% YoY +1.6% QoQ
+$36.9M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $328.2M
+16.4% YoY +3.7% QoQ
+$69.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $380.9M
+14.8% YoY +1.4% QoQ
+$54.2M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.71%
+1.4% YoY +2.1% QoQ
+0.39% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 4.73%
+0.8% YoY +1.2% QoQ
+0.75% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 13.2% in tier
Efficiency Ratio ? 56.69%
+1.8% YoY -1.8% QoQ
-7.79% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 86.17%
+1.4% YoY +2.3% QoQ
+8.22% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 21.79%
-6.4% YoY +1.2% QoQ
-0.24% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.35%
+6.5% YoY +3.4% QoQ
-2.56% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.48%
-14.2% YoY +96.6% QoQ
-0.08% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 9.8% 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 (GA) National Avg Tier Percentile
Noninterest-Bearing 21.8%
-1.5pp YoY
+0.2pp QoQ
 -0.4pp 22.1% 26.2% 22.2% 53%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 10.3%
+1.3pp YoY
-0.3pp QoQ
 -1.3pp 11.6% 9.7% 12.5% 54%
CRE 55.5%
-0.9pp YoY
-0.2pp QoQ
 +16.0pp 39.5% 48.9% 41.4% 79%
1-4 Family 33.2%
-0.1pp YoY
+0.3pp QoQ
 +0.5pp 32.6% 31.7% 31.3% 58%
Consumer 1.8%
-0.6pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 4.8% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 13.3%
+0.8pp YoY
+0.4pp QoQ
 -5.5pp 18.8% 20.9% 19.7% 32%
Leverage Ratio 10.1%
+0.4pp YoY
+0.1pp QoQ
 -2.0pp 12.2% 14.0% 12.6% 35%
Total Capital Ratio 14.6%
+0.8pp YoY
+0.4pp QoQ
 -5.3pp 19.9% 22.1% 20.8% 33%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 62
+7 (+12.7%) YoY
+4 (+6.9%) QoQ
 +3 58 98 482 65%
Assets per Employee ($) $6.8M
+2.3% YoY
-5.0% QoQ
 -$689K $7.5M $7.5M $8.8M 49%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 38.10x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 18.7%
-1.4pp YoY
+0.2pp QoQ
 +6.5pp 12.2% 13.6% 11.6% 84%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 42%
Net Income ($, YTD) $3.5M
+14.9% YoY
— QoQ
 +$982K $2.6M $6.6M $40.4M 76%

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 (2)

Revenue Diversifier

growth
#255 of 661 • Top 38.4% 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: 0.48%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.71%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#326 of 659 • Top 49.3% 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 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
261
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#261 of 2643 Top 9.8% in $100M-$1B
350
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.99%
#350 of 2643 Top 13.2% in $100M-$1B
623
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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