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228 North 2nd Avenue
Rome, GA 30165

River City Bank is headquartered in Rome and is the 94th largest bank in the state of Georgia. It is also the 3,550th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 38 employees at 1 location. River City Bank has a B+ health rating.

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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 had $8.1 million in non-current loans and owned real-estate with $23.08 million in equity and loan loss allowances on hand to cover it. This gives River City Bank a Texas Ratio of 35.11% which is 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 decreased dramatically from 52.89% as of December 31, 2012 to 35.11% as of December 31, 2013, resulting in a positive change of 33.62%.This indicates that the balance sheet and financial strength for River City Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, River City Bank has increased its total deposits by $1.94 million, resulting in 1.43% 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 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 has $161.02 million in assets with $23.08 million in equity, resulting in a capitalization level of 14.33%, which is excellent.

Institution Statistics

FDIC Certificate #58289
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$161.02 million
Loans$100.77 million
Deposits$137.49 million
Equity Capital$20.21 million
Loan Loss Allowance$2.87 million
Unbacked Noncurrent Loans$6.50 million
Real Estate Owned$1.60 million
Historic Data - December 2012
Assets$163.73 million
Equity Capital$20.90 million
Loan Loss Allowance$3.06 million
Unbacked Noncurrent Loans$6.50 million
Real Estate Owned$2.02 million
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets0.51%
Return on Equity3.98%
Interest Income$6.02 million

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River City Bank Locations
River City Bank228 North Second AvenueRome, GA 30165