River City Bank (CA) is headquartered in Sacramento and is the 45th largest bank in the state of California. It is also the 493rd largest bank in the nation. It was established in 1963 and as of December of 2015, it had grown to 140 employees at 13 locations. River City Bank (CA) has an A+ health rating.
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.
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.
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.
|FDIC Certificate #||18983|
|Return on Assets - YTD||0.92%|
|Return on Equity - YTD||8.19%|
|Annual Interest Income||$42.3MM|
|Assets and Liabilities|
|Assets||Q4 2015vs Q4 2014||$1.52B$1.28B|
|Loans||Q4 2015vs Q4 2014||$947.9MM$744.8MM|
|Deposits||Q4 2015vs Q4 2014||$1.14B$1.00B|
|Equity Capital||Q4 2015vs Q4 2014||$157.9MM$148.1MM|
|Loan Loss Allowance||Q4 2015vs Q4 2014||$24.0MM$22.0MM|
|Unbacked Noncurrent Loans||Q4 2015vs Q4 2014||$3.5MM$6.6MM|
|Real Estate Owned||Q4 2015vs Q4 2014||$3.2MM$3.2MM|
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