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Overview / Commentary
1629 Colusa Highway
Yuba City, CA 95993

River Valley Community Bank is headquartered in Yuba City and is the 155th largest bank in the state of California. It is also the 3,339th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 25 employees at 1 location. River Valley Community Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 River Valley Community Bank had $0 in non-current loans and owned real-estate with $21.71 million in equity and loan loss allowances on hand to cover it. This gives River Valley Community Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, River Valley Community Bank has increased its total deposits by $16.64 million, resulting in 12.07% 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 Valley Community Bank has shown is excellent.



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 Valley Community Bank has $174.88 million in assets with $21.71 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

Institution Statistics

FDIC Certificate #58276
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$174.88 million
Loans$60.23 million
Deposits$154.52 million
Equity Capital$20.14 million
Loan Loss Allowance$1.57 million
Real Estate Owned$0
Historic Data - March 2013
Assets$157.78 million
Equity Capital$19.63 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$0
Real Estate Owned$101,000
Profit Margin - Quarterly
Return on Assets0.52%
Return on Equity4.45%
Interest Income$1.18 million

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River Valley Community Bank Locations
River Valley Community Bank1629 Colusa HighwayYuba City, CA 95993