River City Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
River City Bank, Inc. is an FDIC-insured commercial bank headquartered in Louisville, KY, established in 1986 (FDIC certificate 26703), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $494.9M, down 2.1% from Q2 2025, the 39th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.81% 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
- 26703
- Headquarters
- Louisville, KY
- Established
- 1986
- Total assets, Q2 2026
- $494.9M
- Assets vs Q2 2025
- -2.1%
- CET1 ratio, Q2 2026
- 14.81%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 083000726
- Latest call report
- Q2 2026, FFIEC 041 · River City Bank, Inc. call report
- Holding company
- FIRST BRECKINRIDGE BANCSHARES, INC.
- Asset rank in state
- 39th of 120 in Kentucky
Problem loans are rising at River City Bank, Inc.. Its balance sheet stood at $495 million at June 30, 2026, down 2.1% from a year earlier; it is based in Louisville, Kentucky. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.36% of loans from 0.00% a year earlier. It pays an average of 2.95% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 58% above the same quarter a year earlier. Delinquency has appeared in its $56 million non-owner-occupied commercial real estate book: 2.16% of those loans are past due or on nonaccrual, against almost none a year earlier. Its margin is thin by comparison: it keeps 3.42 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, River City Bank, Inc. reported a CET1 capital ratio of 14.81%, a return on assets of 1.22%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.55%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, River City Bank, Inc. is the 39th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $494.9M, loans rose 1.7% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.4% of total loans, ahead of construction and land development loans at 26.8%. Its 7 offices in the FDIC Summary of Deposits are in Louisville, KY, Jeffersontown, KY and Jeffersonville, IN; its Louisville 5 offices book 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, River City Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 S 6th St, Louisville, KY 40202
- County
- Jefferson
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 26, 1986
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $438.3M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $506.4M
- Average total loans
- $376.9M
- Average interest-bearing deposits
- $380.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 1986
- FDIC Cert
- 26703
- Fed RSSD
- 396244
- SEC CIK
- 2127309 → filed by FIRST BRECKINRIDGE BANCSHARES, INC.
- Website
- www.rivercitybankky.com →
- Parent Holding Company
- FIRST BRECKINRIDGE BANCSHARES, INC. (RSSD 1119404)
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
From Q3 2023 to Q2 2026, River City Bank, Inc.'s total assets ranged from $446.3M (Q3 2023) to $507.8M (Q3 2025), 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
$494.9M total assets against $505.4M; $444.4M total liabilities against $462.3M.
$373.3M net loans and leases against $380.4M; $438.3M total deposits against $439.8M.
$74.5M securities against $78.0M; $13.3M cash and balances due against $11.7M.
$7.2M total interest income against $7.4M; $3.2M total interest expense against $3.7M.
$4.0M net interest income against $3.7M.
$924K total noninterest income against $455K; $2.9M total noninterest expense against $2.8M.
$0 provision for credit losses against $168K.
$1.5M net income against $978K.
1.22% return on assets against 0.76%; 3.42% net interest margin against 3.15%.
14.81% CET1 capital ratio against 12.90%; 11.72% tier 1 leverage ratio against 10.53%.
Inside the full River City Bank, Inc. 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
River City Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,791 of 4,196, for total assets; its furthest is 2,010 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.29% (Q1 2025) to 1.33% (Q3 2025) and its net interest margin ran from 2.76% (Q3 2024) to 3.42% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.81% | 1.22% | 0.36% | 2.55% | 3.42% |
| Q1 2026 | 14.42% | 0.77% | 0.00% | 0.00% | 3.34% |
| Q4 2025 | 14.40% | 0.81% | 0.00% | 0.00% | 3.31% |
| Q3 2025 | 13.73% | 1.33% | 0.00% | 0.00% | 3.25% |
| Q2 2025 | 12.90% | 0.76% | 0.00% | 0.00% | 3.15% |
| Q1 2025 | 12.95% | 0.29% | 0.00% | 0.00% | 3.08% |
| Q4 2024 | 12.98% | 0.66% | 0.00% | 0.00% | 2.87% |
| Q3 2024 | 13.05% | 0.52% | 0.00% | 0.00% | 2.76% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Jeffersontown Branch | Jeffersontown , KY | 40299 | $124.3M |
| River City Bank, Inc. (main office) | Louisville , KY | 40202 | $86.1M |
| Highview Branch | Louisville , KY | 40228 | $62.1M |
| Greenwood Road Branch | Louisville , KY | 40258 | $56.5M |
| Bardstown Road Branch | Louisville , KY | 40205 | $54.4M |
| Middletown Branch | Louisville , KY | 40245 | $43.4M |
| Jeffersonville Branch | Jeffersonville , IN | 47130 | $11.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 27, 1986 | Structure Change | Acquired Continental National Bank of Kentucky Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 26, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 54 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 366 applications, 257 loans originated, $60.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $28K approved, $28K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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, Inc.
What are River City Bank, Inc.'s total assets?
As of the Q2 2026 filing, River City Bank, Inc. reported total assets of $494.9 million in its FFIEC call report.
Where is River City Bank, Inc. headquartered?
It is headquartered in Louisville, KY, United States.
When was River City Bank, Inc. founded?
It was established in 1986, per the FDIC institution directory.
Is River City Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26703). 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, Inc.?
River City Bank, Inc.'s primary federal regulator is the FDIC.
What is River City Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.81% 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, Inc. operate?
It operates 7 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, Inc.'s Texas Ratio?
Its Texas Ratio is 2.55% 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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