River City Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 46.5% in Q2 2026, from $4.4M to $2.4M. It was the largest change from Q1 2026 among the key lines here. River City Bank ranks 55th of 74 California banks on CET1 ratio, in the lower half at 13.18% (Q2 2026). At 13.18%, River City Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.18% |
| Tier 1 risk-based capital ratio | 13.18% |
| Total risk-based capital ratio | 14.44% |
| Tier 1 leverage ratio | 9.22% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $565.5M |
| Tier 1 capital | $565.5M |
| Total risk-based capital | $619.8M |
| Total equity capital | $567.9M |
| Risk-weighted assets | $4.29B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 9.26% |
| Internal capital growth rate | 13.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.9M |
| Common stock surplus | $2.2M |
| Retained earnings | $547.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.93% | 11.93% | 13.20% | 8.60% | $3.36B |
| Q4 2023 | 11.90% | 11.90% | 13.17% | 8.23% | $3.48B |
| Q1 2024 | 12.26% | 12.26% | 13.53% | 8.47% | $3.52B |
| Q2 2024 | 11.89% | 11.89% | 13.16% | 8.69% | $3.74B |
| Q3 2024 | 11.83% | 11.83% | 13.10% | 8.81% | $3.89B |
| Q4 2024 | 12.25% | 12.25% | 13.52% | 9.12% | $3.93B |
| Q1 2025 | 12.35% | 12.35% | 13.62% | 9.27% | $3.99B |
| Q2 2025 | 12.45% | 12.45% | 13.71% | 9.42% | $4.05B |
| Q3 2025 | 12.58% | 12.58% | 13.85% | 9.54% | $4.14B |
| Q4 2025 | 12.75% | 12.75% | 14.02% | 9.40% | $4.25B |
| Q1 2026 | 13.14% | 13.14% | 14.41% | 9.35% | $4.26B |
| Q2 2026 | 13.18% | 13.18% | 14.44% | 9.22% | $4.29B |
River City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock River City Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full River City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18983) · FFIEC NIC profile (RSSD 253468)