RIVER CITY BANK

SACRAMENTO, CA | Large | Est. Dec. 16, 1963, midnight | FDIC #18983 | RSSD #253468 | FDIC
Latest Report: 2025-12-31

RIVER CITY BANK is aln large FDIC-insured commercial bank headquartered in SACRAMENTO, CA, established in Dec. 16, 1963, midnight. As of 2025-12-31, the bank reported total assets of $5.8B and total deposits of $5.1B. Profitability stands at 1.49% ROA and 15.62% ROE, with a net interest margin of 3.01%. The bank's CET1 capital ratio is 12.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18983.

Assets

$5.8B

Deposits

$5.1B

Loans

$4.6B

Equity

$548M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 15.62%
Net Interest Margin (NIM) 3.01%
Yield on Assets 5.78%
Cost of Funds 5.81%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.27%

Capital & Liquidity

CET1 Ratio 12.75%
Tier 1 Capital 12.75%
Total Capital Ratio 14.02%
Leverage Ratio 9.40%
Loan-to-Deposit 88.95%

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