River City Bank, Inc.: 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: 1.45 percentage points higher than in Q1 2026, at 85.77%. River City Bank, Inc. ranks 67th of 119 Kentucky banks on return on assets, in the lower half at 1.22% (Q2 2026). At 1.22%, River City Bank, Inc.'s return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.81% |
| Tier 1 risk-based capital ratio | 14.81% |
| Total risk-based capital ratio | 15.51% |
| Tier 1 leverage ratio | 11.72% |
| Equity capital to assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.55% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | 190.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 12.51% |
| Net interest margin | 3.42% |
| Efficiency ratio | 58.53% |
| Yield on earning assets | 6.16% |
| Cost of funds | 2.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.77% |
| Core deposits to total deposits | 92.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.56% |
| Securities to assets | 15.06% |
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 | 14.62% | 14.62% | 15.25% | 12.06% | 0.40% |
| Q4 2023 | 14.27% | 14.27% | 14.90% | 11.61% | 0.10% |
| Q1 2024 | 13.04% | 13.04% | 13.69% | 11.19% | 0.14% |
| Q2 2024 | 13.43% | 13.43% | 14.12% | 10.54% | 0.21% |
| Q3 2024 | 13.05% | 13.05% | 13.71% | 10.54% | 0.52% |
| Q4 2024 | 12.98% | 12.98% | 13.63% | 10.54% | 0.66% |
| Q1 2025 | 12.95% | 12.95% | 13.59% | 10.47% | 0.29% |
| Q2 2025 | 12.90% | 12.90% | 13.57% | 10.53% | 0.76% |
| Q3 2025 | 13.73% | 13.73% | 14.42% | 10.80% | 1.33% |
| Q4 2025 | 14.40% | 14.40% | 15.11% | 11.03% | 0.81% |
| Q1 2026 | 14.42% | 14.42% | 15.12% | 11.57% | 0.77% |
| Q2 2026 | 14.81% | 14.81% | 15.51% | 11.72% | 1.22% |
River City Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock River City Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26703) · FFIEC NIC profile (RSSD 396244)