River City Bank (Rome, GA)
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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 Rome, GA, established in 2006 (FDIC certificate 58289), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $423.4M, up 15.3% from Q2 2025, the 46th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 13.35% 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
- 58289
- Headquarters
- Rome, GA
- Established
- 2006
- Total assets, Q2 2026
- $423.4M
- Assets vs Q2 2025
- +15.3%
- CET1 ratio, Q2 2026
- 13.35%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061120770
- Latest call report
- Q2 2026, FFIEC 051 · River City Bank call report
- Holding company
- RCB FINANCIAL CORPORATION
- Asset rank in state
- 46th of 121 in Georgia
River City Bank, based in Rome, Georgia, reported $423 million in assets at June 30, 2026, up 15.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew deposits 14.8% over the year, 3.6 times the median of 4.0% for banks its size.
Net income for the quarter rose 14% from a year earlier, to $1.8 million. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, River City Bank reported a CET1 capital ratio of 13.35%, a return on assets of 1.76%, 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.
By total assets at Q2 2026, River City Bank is the 46th largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $423.4M, loans rose 3.8% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.7% of total loans, ahead of owner-occupied commercial real estate loans at 20.8%. Its 2 offices in the FDIC Summary of Deposits are in Rome, GA and Blairsville, GA; its Rome office books 84% of its branch deposits. On its Q2 2026 call report, River City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 228 N 2nd Ave Sw, Rome, GA 30165
- County
- Floyd
- Metro Area
- Rome, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 23, 2006
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $380.9M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- -$24K
- Average total assets
- $416.6M
- Average total loans
- $326.0M
- Average interest-bearing deposits
- $282.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 23, 2006
- FDIC Cert
- 58289
- Fed RSSD
- 3445901
- SEC CIK
- 1871178 → filed by RCB FINANCIAL CORPORATION
- Website
- www.rivercity.bank →
- Parent Holding Company
- RCB FINANCIAL CORPORATION (RSSD 3923539)
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 $269.1M (Q3 2023) and $423.4M (Q2 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
$423.4M total assets against $367.4M; $383.9M total liabilities against $335.0M.
$328.2M net loans and leases against $282.0M; $380.9M total deposits against $331.9M.
$38.0M securities against $38.0M; $39.7M cash and balances due against $30.0M.
$6.3M total interest income against $5.6M; $1.6M total interest expense against $1.5M.
$4.7M net interest income against $4.1M.
$1.0M total noninterest income against $1.1M; $3.2M total noninterest expense against $2.9M.
$159K provision for credit losses against $186K.
$1.8M net income against $1.6M.
1.76% return on assets against 1.76%; 4.75% net interest margin against 4.73%.
13.35% CET1 capital ratio against 12.54%; 10.15% tier 1 leverage ratio against 9.78%.
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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
River City Bank rankings
Its closest position to the top of a national ranking is 809 of 3,611, for ROA; its furthest is 3,427 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.20% (Q4 2025) to 1.76% (Q2 2025) and its net interest margin ran from 4.53% (Q4 2024) to 4.75% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.35% | 1.76% | 0.00% | 0.00% | 4.75% |
| Q1 2026 | 12.91% | 1.69% | 0.00% | 0.00% | 4.68% |
| Q4 2025 | 12.94% | 1.20% | 0.03% | 0.24% | 4.69% |
| Q3 2025 | 12.68% | 1.75% | 0.00% | 0.00% | 4.62% |
| Q2 2025 | 12.54% | 1.76% | 0.00% | 0.00% | 4.73% |
| Q1 2025 | 12.29% | 1.64% | 0.00% | 0.00% | 4.62% |
| Q4 2024 | 12.57% | 1.53% | 0.01% | 0.05% | 4.53% |
| Q3 2024 | 12.23% | 1.51% | 0.01% | 0.09% | 4.61% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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) | Rome , GA | 30165 | $321.0M |
| Hwy 515 Blairsville Branch | Blairsville , GA | 30512 | $60.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 66 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $4.7M approved, $475K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, 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 $423.4 million in its FFIEC call report.
Where is River City Bank headquartered?
It is headquartered in Rome, GA, United States.
When was River City Bank founded?
It was established in 2006, per the FDIC institution directory.
Is River City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58289). 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 13.35% 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 2 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.
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