RIVER VALLEY COMMUNITY BANK
RIVER VALLEY COMMUNITY BANK is an FDIC-insured commercial bank headquartered in YUBA CITY, CA, established in 2006. As of , the bank reported total assets of $760M and total deposits of $666M. Profitability stands at 0.65% ROA and 7.98% ROE, with a net interest margin of 3.13%. CET1 capital ratio: 13.66%, well above regulatory minimums. NPL ratio: 0.89% · Texas Ratio: 5.52%. Operates 4 domestic branches.
Capital & Liquidity
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River Valley Community Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.66% | 0.65% | 0.89% | 5.52% | 3.13% |
| 2025-09-30 | 13.79% | 0.73% | 0.00% | 0.00% | 3.32% |
| 2025-06-30 | 14.16% | 0.73% | 0.00% | 0.00% | 3.34% |
| 2025-03-31 | 14.14% | 0.82% | 0.00% | 0.00% | 3.25% |
| 2024-12-31 | 13.97% | 0.89% | 0.00% | 0.00% | 3.23% |
| 2024-09-30 | 14.46% | 0.77% | 0.00% | 0.00% | 2.99% |
| 2024-06-30 | 15.00% | 0.69% | 0.00% | 0.00% | 2.87% |
| 2024-03-31 | 14.78% | 0.74% | 0.00% | 0.00% | 3.13% |
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Frequently asked about RIVER VALLEY COMMUNITY BANK
What are River Valley Community Bank's total assets?
As of the Q4 2025 filing, River Valley Community Bank reported total assets of $760.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is River Valley Community Bank headquartered?
River Valley Community Bank is headquartered in YUBA CITY, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was River Valley Community Bank founded?
River Valley Community Bank was established in 2006, per the FDIC institution directory.
Is River Valley Community Bank FDIC-insured?
Yes. River Valley Community Bank is an FDIC-insured commercial bank (FDIC Certificate #58276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates River Valley Community Bank?
River Valley Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is River Valley Community Bank's CET1 capital ratio?
River Valley Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does River Valley Community Bank operate?
River Valley Community Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is River Valley Community Bank's Texas Ratio?
River Valley Community Bank's Texas Ratio is 5.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.