Bank Comparison
River City Bank vs First Financial Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | River City Bank | First Financial Bank, N.A. |
|---|---|---|
| CET1 Ratio | 13.14% | 12.32% |
| Tier 1 Capital Ratio | 13.14% | 12.32% |
| Total Capital Ratio | 14.41% | 13.36% |
| Tier 1 Leverage Ratio | 9.35% | 10.51% |
| Equity / Assets | 9.32% | 10.45% |
Profitability
| Metric | River City Bank | First Financial Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.20% | 1.35% |
| Return on Equity (ROE) | 12.91% | 12.68% |
| Net Interest Margin (NIM) | 2.42% | 4.25% |
| Yield on Earning Assets | 4.91% | 5.80% |
| Cost of Funds | 2.76% | 1.60% |
Asset quality
| Metric | River City Bank | First Financial Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 5.11% |
| Non-Performing Loan Ratio | 0.00% | 0.64% |
| Non-Performing Asset Ratio | 0.00% | 0.47% |
| Net Charge-Off Ratio | 0.00% | 0.15% |
| ACL / Loans | 2.31% | 1.18% |
Balance sheet
| Metric | River City Bank | First Financial Bank, N.A. |
|---|---|---|
| Total Assets | $6,047M | $6,121M |
| Total Deposits | $5,386M | $4,862M |
| Total Loans | $4,557M | $4,423M |
| Total Equity | $563,858K | $640,022K |
| Net Income (quarter) | $17,946K | $20,293K |
Liquidity & funding
| Metric | River City Bank | First Financial Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 84.61% | 90.98% |
| Core Deposit Ratio | 97.85% | 97.22% |
| Uninsured Deposit Ratio | 39.03% | 34.22% |
Identity
| Metric | River City Bank | First Financial Bank, N.A. |
|---|---|---|
| Headquarters City | SACRAMENTO | TERRE HAUTE |
| Headquarters State | CA | IN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 47 |
| Regulator | FDIC | OCC |
| Domestic Branches | 9 | 83 |
| Employees (FTE) | 158 | 939 |
| Established | Dec. 16, 1963, midnight | Aug. 3, 1863, 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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