Institution Statistics
| River City Bank | | FDIC Certificate # | 18983 | | BankRate Report | View | | Year Established | 1963 | | Employees | 118 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.17 billion | | Loans | $602.56 million | | Deposits | $931.41 million | | Equity Capital | $133.70 million | | Loan Loss Allowance | $23.91 million | | Unbacked Noncurrent Loans | $3.53 million | | Real Estate Owned | $5.96 million |
Historic Data - March 2012 | | Assets | $1.12 billion | | Equity Capital | $126.48 million | | Loan Loss Allowance | $24.81 million | | Unbacked Noncurrent Loans | $5.85 million | | Real Estate Owned | $6.20 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.33% | | Return on Assets | 0.86% | | Return on Equity | 7.58% | | Interest Income | $9.74 million |
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Institution Health
Overall Score:
5 out of 5 
| 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 March 31, 2013 River City Bank (CA) had $9.49 million in non-current loans and owned real-estate with $157.61 million in equity and loan loss allowances on hand to cover it. This gives River City Bank (CA) a Texas Ratio of 6.02% which is excellent. 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) decreased slightly from 7.96% as of March 31, 2012 to 6.02% as of March 31, 2013, resulting in a positive change of 24.40%.This indicates that the balance sheet and financial strength for River City Bank (CA) has improved slightly in recent periods. | | Deposit Growth | | | In the past year, River City Bank (CA) has increased its total deposits by $26.79 million, resulting in 2.96% 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. | | Capitalization | | | 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 $1.17 billion in assets with $157.61 million in equity, resulting in a capitalization level of 13.49%, which is excellent. |
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Average User Rating:
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.