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River City Bank
Sacramento, CA · FDIC Certificate #18983 · Chartered 12/1
Total assets
$6.04B
Total deposits
$5.37B
Total equity
$567.88M
Net loans
$4.50B
Branches (offices)
8
Net income (YTD)
$37.56M
Rank: #250 of 4,213 U.S. banks by assets · #18 of 115 in California. Assets changed 13.5% and deposits 18.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 13.41% |
| Net interest margin (YTD) | 2.48% |
| Equity to assets | 9.40% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 37.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 83.7% |
| Real estate loans (share of loans) | 98.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.42B | 98.2% | |
| Commercial & industrial | $144.36M | 3.2% | |
| Consumer / individual | $921.00K | 0.0% | |
| Construction & development | $41.76M | 0.9% | |
| Agricultural | $25.28M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.79B | $3.24B | $25.32M | $327.25M |
| Jun 2023 | $4.36B | $3.62B | $27.28M | $384.41M |
| Jun 2024 | $5.09B | $4.48B | $35.90M | $447.31M |
| Jun 2025 | $5.32B | $4.52B | $27.72M | $510.02M |
| Jun 2026 | $6.04B | $5.37B | $37.56M | $567.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $5.37B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.37B.
Similar-sized banks
Bradesco Bank ($6.10B) · Banesco Usa ($5.98B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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