River City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks River City Bank of Sacramento, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.28% | 1.44% | -0.16% | 50th above |
| ROAE | 13.87% | 12.50% | +1.37% | 62nd above |
| Net Interest Margin | 2.36% | 3.84% | -1.48% | 4th bottom |
| Efficiency Ratio | 29.31% | 58.90% | -29.59% | 98th top |
| PPNR / Avg Assets | 1.85% | 1.78% | +0.07% | 60th above |
| Yield on Earning Assets | 4.87% | 5.71% | -0.84% | 15th bottom |
| Cost of Funds | 2.76% | 2.03% | +0.73% | 13th bottom |
| Net Interest Spread | 1.58% | 3.18% | -1.60% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.97% | -0.97% | 98th top |
| NPA / Total Assets | 0.00% | 0.75% | -0.75% | 98th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 88th top |
| ACL / Total Loans | 2.34% | 1.25% | +1.09% | 97th top |
| Texas Ratio | 0.00% | 7.17% | -7.17% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.18% | 17.41% | -4.23% | 45th below |
| Tier 1 Ratio | 13.18% | 17.45% | -4.27% | 44th below |
| Total Capital Ratio | 14.44% | 18.51% | -4.07% | 46th below |
| Leverage Ratio | 9.22% | 11.60% | -2.38% | 17th bottom |
| Equity / Assets | 9.40% | 11.33% | -1.93% | 29th below |
| TCE / Tangible Assets | 9.40% | 10.65% | -1.25% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.75% | 86.35% | -0.60% | 57th above |
| Core Deposit Ratio | 68.81% | 85.57% | -16.76% | 8th bottom |
| Uninsured Deposit Ratio | 37.15% | 32.70% | +4.45% | 34th below |
| Wholesale Funding Ratio | 1.38% | 5.46% | -4.08% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.52% | 10.45% | +3.07% | 84th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.31% | 7.99% | -0.68% | 60th above |
| Deposit Growth (Y/Y) | 18.88% | 7.97% | +10.91% | 89th top |
See River City Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock River City Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full River City Bank profile, how to read a UBPR, or how this data updates.