RIVER CITY BANK, INC.

LOUISVILLE, KY | Small | Est. June 26, 1986, midnight | FDIC #26703 | RSSD #396244 | FDIC
Latest Report: 2025-12-31

RIVER CITY BANK, INC. is asn small FDIC-insured commercial bank headquartered in LOUISVILLE, KY, established in June 26, 1986, midnight. As of 2025-12-31, the bank reported total assets of $494M and total deposits of $439M. Profitability stands at 0.83% ROA and 8.84% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 14.40%, 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 #26703.

Assets

$494M

Deposits

$439M

Loans

$367M

Equity

$48M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 8.84%
Net Interest Margin (NIM) 3.43%
Yield on Assets 6.51%
Cost of Funds 3.15%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.70%

Capital & Liquidity

CET1 Ratio 14.40%
Tier 1 Capital 14.40%
Total Capital Ratio 15.11%
Leverage Ratio 11.03%
Loan-to-Deposit 83.71%

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