BanksRIVER CITY BANK

RIVER CITY BANK

SACRAMENTO, CALargeEst. Dec. 16, 1963, midnightFDIC #18983RSSD #253468FDIC
Latest · 2025-12-31

RIVER CITY BANK is an 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%. CET1 capital ratio: 12.75%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 8 domestic branches.

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 Margin3.01%
Yield on Assets5.78%
Cost of Funds2.83%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans2.27%

Capital & Liquidity

CET1 Ratio12.75%
Tier 1 Capital12.75%
Total Capital Ratio14.02%
Leverage Ratio9.40%
Loan-to-Deposit88.95%

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