River City Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.00 percentage points higher than in Q1 2026, at 87.31%. River City Bank ranks 48th of 121 Georgia banks on return on assets, in the upper half at 1.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. River City Bank sits 0.50 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.60% |
| Tier 1 leverage ratio | 10.15% |
| Equity capital to assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 1.87% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 528.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 18.90% |
| Net interest margin | 4.75% |
| Efficiency ratio | 55.67% |
| Yield on earning assets | 6.31% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.31% |
| Core deposits to total deposits | 90.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.96% |
| Securities to assets | 8.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.36% | 14.36% | 15.61% | 10.29% | 0.86% |
| Q4 2023 | 13.70% | 13.70% | 14.95% | 10.27% | 0.75% |
| Q1 2024 | 13.39% | 13.39% | 14.64% | 10.21% | 1.06% |
| Q2 2024 | 12.68% | 12.68% | 13.94% | 9.39% | 1.22% |
| Q3 2024 | 12.23% | 12.23% | 13.48% | 9.14% | 1.51% |
| Q4 2024 | 12.57% | 12.57% | 13.82% | 9.23% | 1.53% |
| Q1 2025 | 12.29% | 12.29% | 13.54% | 9.44% | 1.64% |
| Q2 2025 | 12.54% | 12.54% | 13.79% | 9.78% | 1.76% |
| Q3 2025 | 12.68% | 12.68% | 13.93% | 9.60% | 1.75% |
| Q4 2025 | 12.94% | 12.94% | 14.19% | 9.63% | 1.20% |
| Q1 2026 | 12.91% | 12.91% | 14.16% | 10.01% | 1.69% |
| Q2 2026 | 13.35% | 13.35% | 14.60% | 10.15% | 1.76% |
River City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock River City Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)