Overview / Commentary
101 Main Street
Rio Vista, CA 94571
Reviews (1)

A Bank In Decline?

Posted by: SmallTown | Dec 14, 2012

This was, not too long ago, a friendly local bank. I recommended it to many people and would have given them four or five stars. However, over the past three years or so, the bank continues to decline in service and attitude. They now act more like one of the impersonal big banks as opposed to a small town bank. They take a long time getting back on a question or problem and when they do, they fail to actually provide a complete answer. They ignore follow up questions trying to get an answer to the question orginally asked.  

Also, problems are routine with them blocking debit card transactions, even though there is money in the account to cover the transaction. They do this with any internet purchase, even $5 if the company is not headquartered in the United States. This is true even if the company is located in the United Kingdom, the Netherlands or even Germany (as many internet based AAA companies are). In addition, if you are away from your home town, you can easily find that they have blocked the card (as a "security" measure) when you go to purchase gas to drive home. This even happens when you are 5 hours away from your home town. Why do they do this? The answer is basically as a "security measure". Asking them how it is that their customer is suppose to drive home if they cannot access the money in their checking accounts falls on deaf ears.

Lately, other problems have been noticed where they seem to be (though this cannot be proved) delaying giving credit on electronic deposits. It seems that they are taking an extra day to give credit and when you ask about it they deny that they have received the money or that they can even see it in process. Prior to this, even if they did not "have it" they could tell you they could "see it" in process. Now they can't, or won't, do this. All in all, it just seems that this bank with it's recent change in management simply no longer cares about giving good service. And I think that is a real shame.


Health Grade Components

FDIC Certificate #8472
Year Established1904
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD3.13%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$210.0MM$221.8MM
LoansQ2 2018vs Q2 2017$82.6MM$79.6MM
DepositsQ2 2018vs Q2 2017$178.0MM$185.7MM
Equity CapitalQ2 2018vs Q2 2017$25.9MM$27.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.6MM$1.5MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$0$0
Real Estate OwnedQ2 2018vs Q2 2017$0$0

Sorry, we do not have rate data for Bank of Rio Vista.


Bank of Rio Vista Locations
Bank Of Rio Vista101 Main StreetRio Vista, CA 94571
Walnut Grove Office14211 River RoadWalnut Grove, CA 95690
Lodi Branch2020 W. Kettleman Lane, Ste. ALodi, CA 95242

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