Bank Comparison
River City Bank vs Farmers & Merchants Bank of Central California
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | River City Bank | Farmers & Merchants Bank of Central California |
|---|---|---|
| CET1 Ratio | 13.14% | 14.40% |
| Tier 1 Capital Ratio | 13.14% | 14.40% |
| Total Capital Ratio | 14.41% | 15.65% |
| Tier 1 Leverage Ratio | 9.35% | 11.31% |
| Equity / Assets | 9.32% | 11.37% |
Profitability
| Metric | River City Bank | Farmers & Merchants Bank of Central California |
|---|---|---|
| Return on Assets (ROA) | 1.20% | 1.71% |
| Return on Equity (ROE) | 12.91% | 14.93% |
| Net Interest Margin (NIM) | 2.42% | 4.18% |
| Yield on Earning Assets | 4.91% | 5.24% |
| Cost of Funds | 2.76% | 1.16% |
Asset quality
| Metric | River City Bank | Farmers & Merchants Bank of Central California |
|---|---|---|
| Texas Ratio | 0.00% | 1.50% |
| Non-Performing Loan Ratio | 0.00% | 0.21% |
| Non-Performing Asset Ratio | 0.00% | 0.13% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 2.31% | 2.13% |
Balance sheet
| Metric | River City Bank | Farmers & Merchants Bank of Central California |
|---|---|---|
| Total Assets | $6,047M | $5,836M |
| Total Deposits | $5,386M | $5,120M |
| Total Loans | $4,557M | $3,616M |
| Total Equity | $563,858K | $663,574K |
| Net Income (quarter) | $17,946K | $24,578K |
Liquidity & funding
| Metric | River City Bank | Farmers & Merchants Bank of Central California |
|---|---|---|
| Loan-to-Deposit Ratio | 84.61% | 70.63% |
| Core Deposit Ratio | 97.85% | 91.14% |
| Uninsured Deposit Ratio | 39.03% | 52.32% |
Identity
| Metric | River City Bank | Farmers & Merchants Bank of Central California |
|---|---|---|
| Headquarters City | SACRAMENTO | LODI |
| Headquarters State | CA | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 34 |
| Employees (FTE) | 158 | 382 |
| Established | Dec. 16, 1963, midnight | May 24, 1916, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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