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.
Cre concentration (tier 1 capital + allowance) dropped 14.04 percentage points in Q2 2026, from 257.46% to 243.42%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, River City Bank is 31st of 122 on loan-to-deposit ratio, 87.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. River City Bank sits 6.47 points higher, at 87.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $332.6M |
| Net loans and leases | $328.2M |
| Loans held for sale | $50K |
| Loans to total assets | 78.54% |
| Loan-to-deposit ratio | 87.31% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.32% |
| Multifamily (5+ residential) | 4.48% |
| Commercial and industrial | 10.12% |
| Consumer | 1.78% |
| Credit cards | 0.00% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 243.42% |
| Construction concentration (Tier 1 capital + allowance) | 99.98% |
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 | $5.7M |
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 | $189.4M | $243.5M | 36.89% | 7.35% | 2.91% |
| Q4 2023 | $203.5M | $251.4M | 33.70% | 7.04% | 2.37% |
| Q1 2024 | $219.4M | $271.7M | 33.58% | 7.28% | 2.82% |
| Q2 2024 | $239.6M | $305.3M | 37.00% | 7.56% | 2.00% |
| Q3 2024 | $247.3M | $318.1M | 37.11% | 9.38% | 2.20% |
| Q4 2024 | $262.6M | $324.2M | 37.39% | 9.46% | 1.77% |
| Q1 2025 | $278.3M | $335.5M | 37.30% | 9.37% | 2.35% |
| Q2 2025 | $286.0M | $331.9M | 37.63% | 8.80% | 2.41% |
| Q3 2025 | $295.8M | $375.4M | 39.14% | 8.73% | 2.20% |
| Q4 2025 | $302.6M | $358.7M | 39.74% | 9.86% | 2.05% |
| Q1 2026 | $320.5M | $375.7M | 37.09% | 10.37% | 1.94% |
| Q2 2026 | $332.6M | $380.9M | 36.32% | 10.12% | 1.78% |
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 58289) · FFIEC NIC profile (RSSD 3445901)