BanksRIVER CITY BANK, INC.

RIVER CITY BANK, INC.

LOUISVILLE, KYSmallEst. June 26, 1986, midnightFDIC #26703RSSD #396244FDIC
Latest · 2025-12-31

RIVER CITY BANK, INC. is an 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%. CET1 capital ratio: 14.40%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 7 domestic branches.

Assets
$494M
Deposits
$439M
Loans
$367M
Equity
$48M

Profitability

Return on Assets (ROA)0.83%
Return on Equity (ROE)8.84%
Net Interest Margin3.43%
Yield on Assets6.51%
Cost of Funds3.15%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.70%

Capital & Liquidity

CET1 Ratio14.40%
Tier 1 Capital14.40%
Total Capital Ratio15.11%
Leverage Ratio11.03%
Loan-to-Deposit83.71%

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