River City Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks River City Bank, Inc. of Louisville, KY 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.51% | 13.31% | -0.80% | 51st above |
| Net Interest Margin | 3.42% | 3.93% | -0.51% | 25th below |
| Efficiency Ratio | 58.53% | 61.14% | -2.61% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 2.95% | 1.88% | +1.07% | 6th bottom |
| Net Interest Spread | 2.80% | 3.32% | -0.52% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.69% | 1.28% | -0.59% | 7th bottom |
| ACL / NPLs (Coverage) | 190.69% | 1539.38% | -1348.69% | 46th below |
| Texas Ratio | 2.55% | 7.33% | -4.78% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.81% | 19.51% | -4.70% | 47th below |
| Tier 1 Ratio | 14.81% | 19.54% | -4.73% | 47th below |
| Total Capital Ratio | 15.51% | 20.63% | -5.12% | 43rd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.72% | 12.14% | -0.42% | 61st above |
| Equity / Assets | 10.19% | 11.37% | -1.18% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.19% | 11.09% | -0.90% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.77% | 80.63% | +5.14% | 38th below |
| Core Deposit Ratio | 92.87% | 86.86% | +6.01% | 73rd above |
| Wholesale Funding Ratio | 0.45% | 5.04% | -4.59% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.09% | 6.86% | -8.95% | 10th bottom |
| Loan Growth (Y/Y) | -1.83% | 7.91% | -9.74% | 16th bottom |
| Deposit Growth (Y/Y) | -0.35% | 6.29% | -6.64% | 21st bottom |
See River City Bank, Inc.'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, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.