River Valley Community Bank
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Data as of · sourced from FFIEC call reports. How we update
River Valley Community Bank is an FDIC-insured commercial bank headquartered in Yuba City, CA, established in 2006 (FDIC certificate 58276), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $793.1M, up 30.2% from Q2 2025, the 68th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.82% 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
- 58276
- Headquarters
- Yuba City, CA
- Established
- 2006
- Total assets, Q2 2026
- $793.1M
- Assets vs Q2 2025
- +30.2%
- CET1 ratio, Q2 2026
- 13.82%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 121144324
- Latest call report
- Q2 2026, FFIEC 051 · River Valley Community Bank call report
- Holding company
- RIVER VALLEY COMMUNITY BANCORP
- Asset rank in state
- 68th of 113 in California
River Valley Community Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $793 million at June 30, 2026, up 30.2% from a year earlier; it is based in Yuba City, California. It funds 8.73% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for banks its size. It has also been growing, with assets up 30.2% in a year.
Deposits are coming in faster than loans: over the year loans rose 12.3% and deposits rose 28.2%. Its $156 million non-owner-occupied commercial real estate book is now fully current, after 1.46% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.13 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 Valley Community Bank reported a CET1 capital ratio of 13.82%, a return on assets of 0.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, River Valley Community Bank is the 68th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.8% to $793.1M, loans rose 1.9% and deposits rose 5.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 38.5% of total loans, ahead of owner-occupied commercial real estate loans at 32.9%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in CA; its Yuba City office books 55% of its branch deposits. Judged on its Q2 2026 call report, River Valley Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1629 Colusa Hwy, Yuba City, CA 95993
- County
- Sutter
- Metro Area
- Yuba City, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 26, 2006
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $704.9M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $86K
- Average total assets
- $799.8M
- Average total loans
- $402.3M
- Average interest-bearing deposits
- $521.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 2006
- FDIC Cert
- 58276
- Fed RSSD
- 3451050
- Website
- www.myrvcb.com →
- Parent Holding Company
- RIVER VALLEY COMMUNITY BANCORP (RSSD 5116353)
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 Valley Community Bank's total assets ranged from $581.2M (Q4 2023) to $793.1M (Q2 2026), 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
$793.1M total assets against $608.9M; $732.5M total liabilities against $553.7M.
$400.3M net loans and leases against $356.4M; $704.9M total deposits against $549.8M.
$286.7M securities against $193.9M; $72.3M cash and balances due against $27.6M.
$9.3M total interest income against $7.0M; $3.3M total interest expense against $2.1M.
$6.0M net interest income against $4.9M.
$275K total noninterest income against $251K; $4.3M total noninterest expense against $3.4M.
$87K provision for credit losses against $140K.
$1.4M net income against $1.1M.
0.69% return on assets against 0.73%; 3.13% net interest margin against 3.33%.
13.82% CET1 capital ratio against 14.16%; 8.73% tier 1 leverage ratio against 10.48%.
Inside the full River Valley Community Bank 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
River Valley Community Bank rankings
Its closest position to the top of a national ranking is 1,256 of 4,196, for total assets; its furthest is 3,380 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q1 2026) to 0.88% (Q4 2024) and its net interest margin ran from 2.98% (Q3 2024) to 3.40% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.82% | 0.69% | 0.00% | 0.00% | 3.13% |
| Q1 2026 | 13.72% | 0.62% | 0.02% | 0.13% | 3.12% |
| Q4 2025 | 13.66% | 0.63% | 0.08% | 0.47% | 3.14% |
| Q3 2025 | 13.79% | 0.74% | 0.00% | 0.00% | 3.40% |
| Q2 2025 | 14.16% | 0.73% | 0.00% | 0.00% | 3.33% |
| Q1 2025 | 14.14% | 0.82% | 0.00% | 0.00% | 3.25% |
| Q4 2024 | 13.97% | 0.88% | 0.00% | 0.00% | 3.23% |
| Q3 2024 | 14.46% | 0.75% | 0.00% | 0.00% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| River Valley Community Bank (main office) | Yuba City , CA | 95993 | $390.6M |
| Marysville Branch | Marysville , CA | 95901 | $114.7M |
| Auburn Branch | Auburn , CA | 95603 | $78.4M |
| Grass Valley Branch | Grass Valley , CA | 95945 | $72.7M |
| Roseville Branch | Roseville , CA | 95661 | $48.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 95 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Valley Community Bank
What are River Valley Community Bank's total assets?
As of the Q2 2026 filing, River Valley Community Bank reported total assets of $793.1 million in its FFIEC call report.
Where is River Valley Community Bank headquartered?
It is headquartered in Yuba City, CA, United States.
When was River Valley Community Bank founded?
It was established in 2006, per the FDIC institution directory.
Is River Valley Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates River Valley Community Bank?
River Valley Community Bank's primary federal regulator is the FDIC.
What is River Valley Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.82% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does River Valley Community Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is River Valley Community Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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