River City Bank (CA)

Overview / Commentary
2485 Natomas Park Drive
Sacramento, CA 95833

River City Bank (CA) is headquartered in SACRAMENTO and is the 24th largest bank in the state of California. It is also the 280th largest bank in the nation. It was established in 1963 and as of December of 2023, it had grown to 144 employees at 9 locations. River City Bank (CA) has an A health rating.

Reviews (3)

Best Customer Service

I have been a customer of River City Bank for more than 10 years now. I go there about twice a week and every time I am greeted cheerfully and always end up in a nice conversation with either the teller or the manager. The people that work there go the extra mile to ensure that I feel good about myself and want to know just a little bit about my personal life. One of the most amazing actions that they do is from time to time to email me and thanking me for being a customer and for coming in that day to converse. I have never heard of this from any other bank that I had belonged too in the past. It is this followup communication that keep me at this bank because the monthly fees may be a bit higher than other banks but the interaction that I get from there supersedes that fact.

River City Review

Posted by: |

I have had a personal checking account with this bank for over ten years and have been completely satisfied with their services at all stages and levels. They are a neighborhood, home-town bank which concentrates on serving locals with excellence and a personal touch. Their tellers and customer service representatives are genuinely friendly and make a strong effort to complete each transaction with personal attention and excellence. They have coffee and other drinks available at all times and their facility seems less like a bank than just another retail establishment. They have attractive art on their walls, which they change frequently, highlighting local artists. I would have given them the highest rating in all categories except I find their statements a bit convoluted and hard to follow (even though I have a background in accounting and system design), and I prefer another bank's website to theirs. (I have other accounts with a national bank.) They don't offer as many competitive products as the national bank. I am happy I opened my personal account with them, glad to do business with a local company, and I'm thoroughly impressed with their customer service.

Unnecessarily Complicated And Stressful

Posted by: |

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.


Health Grade Components

FDIC Certificate #18983
Year Established1963
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD15.65%
Annual Interest Income$173.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.93B$4.04B
LoansQ4 2023vs Q4 2022$3.5B$3.04B
DepositsQ4 2023vs Q4 2022$4.32B$3.44B
Equity CapitalQ4 2023vs Q4 2022$417.7MM$353MM
Loan Loss AllowanceQ4 2023vs Q4 2022$96.1MM$84MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$15K$1,000
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Sorry, we do not have rate data for River City Bank (CA).


River City Bank (CA) Locations
Woodland Branch199 Main StreetWoodland, CA 95695
Davis Office239 E StreetDavis, CA 95616
River City Bank2480 Natomas Park DrSacramento, CA 95833
Placerville Branch348 Main StreetPlacerville, CA 95667
Granite Bay Branch4033 Cavitt Stallman Rd, Ste 200Roseville, CA 95746
West Roseville Branch4000 Foothills Boulevard, Suite 110Roseville, CA 95747
Sunrise Branch5650 Sunrise BoulevardCitrus Heights, CA 95610
Elk Grove Branch8923 Elk Grove BoulevardElk Grove, CA 95624
Howe Avenue Branch900 Howe AvenueSacramento, CA 95825

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