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 Rome, GA against its peer group of 2672 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 | 1.76% | 1.34% | +0.42% | 76th top |
| ROAE | 18.90% | 13.31% | +5.59% | 83rd top |
| Net Interest Margin | 4.75% | 3.93% | +0.82% | 87th top |
| Efficiency Ratio | 55.67% | 61.14% | -5.47% | 67th above |
| PPNR / Avg Assets | 2.46% | 1.68% | +0.78% | 88th top |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 56th above |
| Net Interest Spread | 4.21% | 3.32% | +0.89% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 60th above |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 528.94% | 1539.13% | -1010.19% | 72nd above |
| Texas Ratio | 1.87% | 7.33% | -5.46% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.35% | 19.51% | -6.16% | 32nd below |
| Tier 1 Ratio | 13.35% | 19.54% | -6.19% | 32nd below |
| Total Capital Ratio | 14.60% | 20.63% | -6.03% | 33rd below |
| Leverage Ratio | 10.15% | 12.14% | -1.99% | 35th below |
| Equity / Assets | 9.34% | 11.38% | -2.04% | 33rd below |
| TCE / Tangible Assets | 9.34% | 11.09% | -1.75% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.31% | 80.63% | +6.68% | 34th below |
| Core Deposit Ratio | 90.92% | 86.86% | +4.06% | 60th above |
| Wholesale Funding Ratio | 0.17% | 5.04% | -4.87% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.27% | 6.85% | +8.42% | 91st top |
| Loan Growth (Y/Y) | 16.28% | 7.90% | +8.38% | 88th top |
| Deposit Growth (Y/Y) | 14.76% | 6.28% | +8.48% | 91st top |
See River City Bank's peers by name
The 2672 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.