River City Bank
River City Bank is a community bank chartered in 1963, based in Sacramento, CA. On its most recent Q1 2026 call report, River City reported $6.0B in total assets against $5.4B in deposits. The bank posts a strong 1.20% ROA and 12.91% ROE. Capital cushions are healthy: 13.14% CET1, 9.35% Tier 1 leverage. Asset quality is pristine — 0.00% NPLs and a 0.00% Texas Ratio. 9 branches make up the footprint.
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
- Fed District
- 14
- Established
- December 16, 1963
- Branches
- 9 domestic
- Employees (FTE)
- 158
- FDIC Cert
- 18983
- Fed RSSD
- 253468
Capital & Liquidity
Inside the full River City Bank terminal
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River City Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare River City Bank with peers
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Frequently asked about River City Bank
What are River City Bank's total assets?
As of the Q1 2026 filing, River City Bank reported total assets of $6.05 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is River City Bank headquartered?
River City Bank is headquartered in SACRAMENTO, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was River City Bank founded?
River City Bank was established in 1963, per the FDIC institution directory.
Is River City Bank FDIC-insured?
Yes. River City Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is River City Bank's CET1 capital ratio?
River City Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.14% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does River City Bank operate?
River City Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is River City Bank's Texas Ratio?
River City Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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