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Overview / Commentary
2485 Natomas Park Drive
Sacramento, CA 95833

River City Bank (CA) is headquartered in Sacramento and is the 46th largest bank in the state of California. It is also the 535th largest bank in the nation. It was established in 1963 and as of December of 2013, it had grown to 124 employees at 13 locations. River City Bank (CA) has a B health rating.

Reviews (1)

Unnecessarily Complicated And Stressful

River City Bank has the worst customer service! They'll gladly take your money if you want to make a deposit. But look out if you want to withdraw any significant amount of your own money. They made me jump through so many hoops it took three trips to the bank. And with the price of gas, that's not just a colossal waste of time, it's also expensive! They act like the money in your account is their money. And their so-called safeguards don't even add any security to the transaction. They're just arbitrary redundancies designed to make withdrawals so inconvenient that you just give up. I'm so disgusted, I plan to close my account. I've found far superior service and much more cooperative attitudes at Bank of America, First Northern, and Schools Credit Union.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 River City Bank (CA) had $25.94 million in non-current loans and owned real-estate with $163.23 million in equity and loan loss allowances on hand to cover it. This gives River City Bank (CA) a Texas Ratio of 15.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for River City Bank (CA) increased slightly from 6.30% as of December 31, 2012 to 15.89% as of December 31, 2013, resulting in a negative change of 152.21%. This indicates that the balance sheet and financial strength for River City Bank (CA) has declined slightly in recent periods.

Deposit Growth


In the past year, River City Bank (CA) has increased its total deposits by $16.33 million, resulting in 1.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth River City Bank (CA) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. River City Bank (CA) has $1.23 billion in assets with $163.23 million in equity, resulting in a capitalization level of 13.22%, which is excellent.

Institution Statistics

FDIC Certificate #18983
Year Established1963
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.23 billion
Loans$682.29 million
Deposits$959.78 million
Equity Capital$137.95 million
Loan Loss Allowance$25.28 million
Unbacked Noncurrent Loans$20.99 million
Real Estate Owned$4.95 million
Historic Data - December 2012
Assets$1.18 billion
Equity Capital$132.03 million
Loan Loss Allowance$24.16 million
Unbacked Noncurrent Loans$20.99 million
Real Estate Owned$5.12 million
Profit Margin - Quarterly
Net Interest Margin3.38%
Return on Assets0.97%
Return on Equity8.55%
Interest Income$40.06 million

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River City Bank (CA) has 13 locations. Click to view all River City Bank (CA) locations.