River City Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.20 percentage points higher than in Q1 2026, at 6.20%. River City Bank ranks 72nd of 114 California banks on loan-to-deposit ratio, in the lower half at 85.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; River City Bank reported 85.75% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.61B |
| Net loans and leases | $4.50B |
| Loans held for sale | $0 |
| Loans to total assets | 76.27% |
| Loan-to-deposit ratio | 85.75% |
| Net loans to equity capital | 7.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.81% |
| Multifamily (5+ residential) | 35.11% |
| Commercial and industrial | 3.13% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 597.84% |
| Construction concentration (Tier 1 capital + allowance) | 6.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $60.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.42B | $4.23B | 52.90% | 3.60% | 0.01% |
| Q4 2023 | $3.60B | $4.32B | 52.53% | 3.50% | 0.02% |
| Q1 2024 | $3.63B | $4.31B | 53.56% | 3.51% | 0.01% |
| Q2 2024 | $3.85B | $4.48B | 53.41% | 3.55% | 0.01% |
| Q3 2024 | $4.04B | $4.45B | 53.76% | 3.43% | 0.07% |
| Q4 2024 | $4.17B | $4.45B | 53.92% | 3.47% | 0.06% |
| Q1 2025 | $4.23B | $4.67B | 54.67% | 3.71% | 0.02% |
| Q2 2025 | $4.29B | $4.52B | 55.11% | 3.45% | 0.01% |
| Q3 2025 | $4.39B | $4.86B | 55.60% | 3.56% | 0.02% |
| Q4 2025 | $4.58B | $5.15B | 55.30% | 3.89% | 0.01% |
| Q1 2026 | $4.56B | $5.39B | 55.20% | 2.97% | 0.01% |
| Q2 2026 | $4.61B | $5.37B | 54.81% | 3.13% | 0.02% |
River City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock River City Bank, freeSource: Call Report Schedule RC-C, 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)