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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Yuba City, CA · FDIC certificate #58276
RIVER VALLEY COMMUNITY BANK is an FDIC-insured institution based in Yuba City, CA (FDIC certificate #58276). In its Q3 2026 Call Report it reported total assets of $805M, total deposits of $739M and net loans of $433M. Its primary federal regulator is FDIC.
Plain-language readout
RIVER VALLEY COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $805M in Q3 2026 and were lowest at $764M in Q1 2026.
Total deposits were highest at $739M in Q3 2026 and lowest at $670M in Q1 2026.
Over the whole period total assets rose 5.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $805M | $739M | $433M | 0.70% | 9.35% | 3.26% |
| Q2 2026 | $793M | $705M | $400M | 0.67% | 8.60% | 3.20% |
| Q1 2026 | $764M | $670M | $393M | 0.63% | 8.06% | 3.17% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $72.3M | $74.1M | -$1.8M | -2.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $286.7M | $266.3M | +$20.4M | +7.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $400.3M | $393.0M | +$7.3M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.6M | $6.7M | -$98K | -1.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $216K | $223K | -$7K | -3.1% |
| All other assets | $27.0M | $23.9M | +$3.1M | +12.8% |
| Total assets | $793.1M | $764.2M | +$28.9M | +3.8% |
| Liabilities | ||||
| Total deposits | $704.9M | $670.5M | +$34.5M | +5.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $23.0M | $30.0M | -$7.0M | -23.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.5M | $3.8M | +$715K | +18.7% |
| Total liabilities | $732.5M | $704.3M | +$28.2M | +4.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $16.2M | $16.2M | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $53.6M | $52.2M | +$1.4M | +2.6% |
| Accumulated other comprehensive income | -$9.1M | -$8.5M | -$655K | -7.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $60.7M | $59.9M | +$720K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $86K | -$86K | -100.0% |
| Adjusted nonperforming assets | $0K | $86K | -$86K | -100.0% |
| Tangible equity plus allowance | $65.4M | $64.6M | +$803K | +1.2% |
| Texas ratio (gross) | 0.00% | 0.13% | -0.13 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.13% | -0.13 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.94% | 5.13% | -0.19 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.82% | 13.72% | +0.10 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.82% | 13.72% | +0.10 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.08% | 1.09% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.90% | 14.81% | +0.08 pts | See points |
| Tier 1 leverage (approximate) | 8.73% | 8.89% | -0.17 pts | See points |
| Construction and land loans to total capital | 18.79% | 26.74% | -7.95 pts | See points |
| Commercial real estate to total capital | 273.85% | 274.43% | -0.58 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.26% | -18.13% | -1.13 pts | See points |
| Liquidity | ||||
| Core deposits | $650.4M | $625.2M | +$25.2M | +4.0% |
| Non-core funding | $77.6M | $75.3M | +$2.3M | +3.1% |
| Loans to core deposits | 62.33% | 63.66% | -1.33 pts | See points |
| Loans to deposits | 57.50% | 59.36% | -1.86 pts | See points |
| Brokered deposits share of deposits | 2.58% | 1.82% | +0.76 pts | See points |
| Pledged securities share of securities | 43.69% | 43.86% | -0.18 pts | See points |
| Loans pledged, share of loans | 71.03% | 72.90% | -1.87 pts | See points |
| Volatile liabilities | $77.6M | $75.3M | +$2.3M | +3.1% |
| Earnings | ||||
| Earnings before provision, year to date | $3.7M | $1.7M | +$2.0M | +114.9% |
| Earnings before provision, single quarter | $2.0M | $1.7M | +$258K | +14.9% |
| Provision for credit losses, year to date | $187K | $100K | +$87K | +87.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.98% | 5.85% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.78% | 3.76% | +0.01 pts | See points |
| Total interest income to average assets | 4.64% | 4.60% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.40% | 0.27% | +0.13 pts | See points |
| Cost of savings and money market deposits | 2.67% | 2.64% | +0.03 pts | See points |
| Cost of time deposits | 3.24% | 3.23% | +0.01 pts | See points |
| Total interest expense to average assets | 1.65% | 1.62% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $805M | $739M | $433M | 0.70% | 9.35% | 3.26% |
| 2026-06-30 | $793M | $705M | $400M | 0.67% | 8.60% | 3.20% |
| 2026-03-31 | $764M | $670M | $393M | 0.63% | 8.06% | 3.17% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $549.8M | 0.03% | 108 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.