RIVER CITY BANK

FDIC #18983 · CA · period 20260630

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Total assets1,529,615-19.41% YoY

Total deposits1,200,248-14.46% YoY

Net loans and leases972,715-27.06% YoY

Return on assets0.72%-20.54% YoY

Return on equity6.90%-29.74% YoY

Net interest margin3.13%+8.33% YoY

Peer position

Return on assets50thin line · n=902

Return on equity61stin line · n=894

Net interest margin5thopportunity · n=902

Equity to assets30thopportunity · n=894

Noncurrent loans100thstrength · n=887

Liquid assets56thin line · n=895

Brokered deposits4thopportunity · n=890

Loans to deposits57thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,529,615	1,200,248	972,715	0.72	6.90	3.13
2016-06-30	1,634,076	1,204,813	1,078,770	0.78	7.50	3.03
2016-09-30	1,671,755	1,251,334	1,115,192	0.86	8.31	3.04
2016-12-31	1,814,902	1,308,654	1,247,181	0.91	9.03	3.03
2017-03-31	1,898,078	1,403,178	1,333,672	0.91	9.82	2.89
2017-06-30	1,966,026	1,419,105	1,383,916	1.12	12.15	2.89
2017-09-30	2,004,267	1,473,924	1,397,087	1.06	11.46	2.88
2017-12-31	2,037,816	1,532,063	1,428,334	0.86	9.32	2.87
2018-03-31	2,041,584	1,531,293	1,454,091	1.09	11.85	2.75
2018-06-30	2,082,390	1,538,604	1,486,940	1.10	11.89	2.75
2018-09-30	2,183,436	1,655,293	1,541,835	1.10	11.91	2.74
2018-12-31	2,206,367	1,722,566	1,565,368	1.14	12.26	2.77
2019-03-31	2,268,386	1,751,352	1,632,176	1.06	11.21	2.68
2019-06-30	2,446,768	1,826,088	1,712,610	1.08	11.50	2.75
2019-09-30	2,460,749	2,037,744	1,782,946	1.11	11.81	2.77
2019-12-31	2,544,697	2,144,516	1,902,787	1.06	11.34	2.76
2020-03-31	2,586,279	2,278,004	1,928,781	1.13	12.02	2.84
2020-06-30	3,193,557	2,686,490	2,401,749	0.97	10.93	2.80
2020-09-30	3,147,300	2,836,260	2,447,752	1.01	11.64	2.82
2020-12-31	3,322,054	3,010,460	2,379,960	1.07	12.49	2.80
2021-03-31	3,408,128	3,093,685	2,457,324	1.86	22.71	2.68
2021-06-30	3,359,517	3,041,734	2,404,406	1.37	16.40	2.71
2021-09-30	3,563,336	3,236,533	2,478,058	1.35	16.20	2.72
2021-12-31	3,656,715	3,326,026	2,664,971	1.28	15.34	2.69
2022-03-31	3,569,874	3,182,242	2,618,811	1.82	21.15	2.53
2022-06-30	3,788,104	3,238,123	2,805,909	1.38	16.01	2.58
2022-09-30	3,959,962	3,366,834	2,924,679	1.29	15.03	2.68
2022-12-31	4,041,345	3,442,317	3,043,841	1.26	14.56	2.82
2023-03-31	4,328,203	3,440,716	3,092,740	1.23	14.32	2.92
2023-06-30	4,364,440	3,621,783	3,205,701	1.29	14.83	2.88
2023-09-30	4,923,610	4,227,637	3,324,312	1.32	15.39	2.93
2023-12-31	4,932,029	4,320,676	3,501,526	1.34	15.65	2.87
2024-03-31	4,973,797	4,310,628	3,534,618	1.51	17.53	2.85
2024-06-30	5,094,837	4,480,928	3,751,941	1.44	16.57	2.85
2024-09-30	5,114,036	4,449,479	3,936,645	1.38	15.74	2.88
2024-12-31	5,143,528	4,454,529	4,065,994	1.45	16.30	2.88
2025-03-31	5,287,018	4,668,611	4,126,151	0.94	10.02	2.63
2025-06-30	5,322,651	4,521,131	4,193,208	1.06	11.14	2.69
2025-09-30	5,474,904	4,861,136	4,288,111	1.19	12.51	2.75
2025-12-31	5,801,890	5,148,329	4,475,855	1.27	13.32	2.77
2026-03-31	6,047,747	5,386,542	4,452,008	1.21	12.91	2.50
2026-06-30	6,042,514	5,374,670	4,500,915	1.26	13.41	2.48

Structure and branch footprint

9 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
1988-09-12	1	846963	253468

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.