River Valley Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks River Valley Community Bank of Yuba City, CA 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 | 0.69% | 1.34% | -0.65% | 19th bottom |
| ROAE | 9.12% | 13.32% | -4.20% | 31st below |
| Net Interest Margin | 3.13% | 3.93% | -0.80% | 14th bottom |
| Efficiency Ratio | 68.03% | 61.13% | +6.90% | 32nd below |
| PPNR / Avg Assets | 0.99% | 1.68% | -0.69% | 20th bottom |
| Yield on Earning Assets | 4.87% | 5.67% | -0.80% | 19th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 48th below |
| Net Interest Spread | 2.44% | 3.32% | -0.88% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 0.94% | -0.14% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.70% | -0.29% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 154.69% | 1539.84% | -1385.15% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.92% | 7.33% | -2.41% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 304.65% | 1396.76% | -1092.11% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.82% | 19.51% | -5.69% | 37th below |
| Tier 1 Ratio | 13.82% | 19.54% | -5.72% | 37th below |
| Total Capital Ratio | 14.90% | 20.63% | -5.73% | 37th below |
| Leverage Ratio | 8.73% | 12.14% | -3.41% | 9th bottom |
| Equity / Assets | 7.65% | 11.38% | -3.73% | 10th bottom |
| TCE / Tangible Assets | 7.65% | 11.10% | -3.45% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.50% | 80.65% | -23.15% | 85th top |
| Core Deposit Ratio | 92.26% | 86.86% | +5.40% | 69th above |
| Wholesale Funding Ratio | 2.90% | 5.04% | -2.14% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.25% | 6.83% | +23.42% | 98th top |
| Loan Growth (Y/Y) | 12.28% | 7.90% | +4.38% | 80th top |
| Deposit Growth (Y/Y) | 28.20% | 6.27% | +21.93% | 97th top |
See River Valley Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock River Valley Community Bank, 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 Valley Community Bank profile, how to read a UBPR, or how this data updates.