River City Bank (Sacramento, CA)
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Data as of · sourced from FFIEC call reports. How we update
River City Bank is an FDIC-insured commercial bank headquartered in Sacramento, CA, established in 1963 (FDIC certificate 18983), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $6.04B, up 13.5% from Q2 2025, the 17th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18983
- Headquarters
- Sacramento, CA
- Established
- 1963
- Total assets, Q2 2026
- $6.04B
- Assets vs Q2 2025
- +13.5%
- CET1 ratio, Q2 2026
- 13.18%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 121133416
- Asset rank in state
- 17th of 113 in California
River City Bank runs leaner than most banks of its size. It reported $6.0 billion in assets at June 30, 2026, up 13.5% from a year earlier. It spends about 29 cents to bring in each dollar of revenue, about half the median of 58 cents for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it keeps 2.36 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter rose 27% from a year earlier, to $20 million. Over the same year, loans grew 7.3% and deposits grew 18.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 6.0 times its capital, 2.7 times the median of 2.2 times for banks its size.
As of June 30, 2026, River City Bank reported a CET1 capital ratio of 13.18%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
River City Bank ranks as the 17th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $6.04B, loans rose 1.1% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 51.3% of total loans, ahead of multifamily loans at 35.1%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in CA; its Sacramento 2 offices book 94% of its branch deposits. By the capital ratios in its Q2 2026 call report, River City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2480 Natomas Park Dr, Sacramento, CA 95833
- County
- Sacramento
- Metro Area
- Sacramento-Roseville-Folsom, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 16, 1963
- Former names
- First Security Bank of Elk Grove (1974-1988)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 156
- Domestic deposits
- $5.37B
- Allowance for credit losses
- $107.8M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $6.13B
- Average total loans
- $4.59B
- Average interest-bearing deposits
- $4.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 16, 1963
- FDIC Cert
- 18983
- Fed RSSD
- 253468
- Website
- http://www.rivercitybank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, River City Bank's total assets ran between $4.92B (Q3 2023) and $6.05B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.04B total assets against $5.32B; $5.47B total liabilities against $4.81B.
$4.50B net loans and leases against $4.19B; $5.37B total deposits against $4.52B.
$987.0M securities against $692.7M; $353.4M cash and balances due against $256.0M.
$73.7M total interest income against $69.7M; $38.0M total interest expense against $35.0M.
$35.7M net interest income against $34.7M.
$4.4M total noninterest income against -$2.2M; $11.8M total noninterest expense against $10.8M.
$1.5M provision for credit losses against $0.
$19.6M net income against $15.4M.
1.28% return on assets against 1.15%; 2.36% net interest margin against 2.63%.
13.18% CET1 capital ratio against 12.45%; 9.22% tier 1 leverage ratio against 9.42%.
Inside the full River City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
River City Bank rankings
Its closest position to the top of a national ranking is 43 of 3,606, for efficiency ratio; its furthest is 3,350 of 3,640, for Texas Ratio.
Metric pages for River City Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q1 2025) to 1.61% (Q4 2024) and its net interest margin ran from 2.36% (Q2 2026) to 2.80% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.18% | 1.28% | 0.00% | 0.00% | 2.36% |
| Q1 2026 | 13.14% | 1.20% | 0.00% | 0.00% | 2.42% |
| Q4 2025 | 12.75% | 1.46% | 0.00% | 0.00% | 2.73% |
| Q3 2025 | 12.58% | 1.44% | 0.00% | 0.00% | 2.77% |
| Q2 2025 | 12.45% | 1.15% | 0.00% | 0.01% | 2.63% |
| Q1 2025 | 12.35% | 0.93% | 0.00% | 0.00% | 2.52% |
| Q4 2024 | 12.25% | 1.61% | 0.00% | 0.00% | 2.70% |
| Q3 2024 | 11.83% | 1.24% | 0.00% | 0.00% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| River City Bank (main office) | Sacramento , CA | 95833 | $4.89B |
| Howe Avenue Branch | Sacramento , CA | 95825 | $132.8M |
| Woodland Branch | Woodland , CA | 95695 | $78.5M |
| Sunrise Branch | Citrus Heights , CA | 95610 | $78.4M |
| Elk Grove Branch | Elk Grove , CA | 95624 | $72.2M |
| Granite Bay Branch | Roseville , CA | 95746 | $66.8M |
| Placerville Branch | Placerville , CA | 95667 | $35.2M |
| Davis Office | Davis , CA | 95616 | $17.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 12, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 1988 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CA, rank 31 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 48 loans originated, $134.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $573K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 1 complaints in the last 1 full quarter. Raw counts, not adjusted for size
- Period: 2017-Q4. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about River City Bank
What are River City Bank's total assets?
As of the Q2 2026 filing, River City Bank reported total assets of $6.04 billion in its FFIEC call report.
Where is River City Bank headquartered?
It is headquartered in Sacramento, CA, United States.
When was River City Bank founded?
It was established in 1963, per the FDIC institution directory.
Is River City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates River City Bank?
River City Bank's primary federal regulator is the FDIC.
What is River City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does River City Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is River City Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was River City Bank previously called?
The charter now named River City Bank has also operated as First Security Bank of Elk Grove (1974-1988), per FDIC structure-change records.
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