RIVER CITY BANK

ROME, GA | Small | Est. May 23, 2006, midnight | FDIC #58289 | RSSD #3445901 | FDIC
Latest Report: 2025-12-31

RIVER CITY BANK is asn small FDIC-insured commercial bank headquartered in ROME, GA, established in May 23, 2006, midnight. As of 2025-12-31, the bank reported total assets of $398M and total deposits of $359M. Profitability stands at 1.18% ROA and 13.58% ROE, with a net interest margin of 4.71%. The bank's CET1 capital ratio is 12.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.19%. FDIC Certificate #58289.

Assets

$398M

Deposits

$359M

Loans

$303M

Equity

$36M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 13.58%
Net Interest Margin (NIM) 4.71%
Yield on Assets 6.55%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.19%
NPA Ratio 0.02%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 12.94%
Tier 1 Capital 12.94%
Total Capital Ratio 14.19%
Leverage Ratio 9.63%
Loan-to-Deposit 84.38%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required