# RIVER CITY BANK
SACRAMENTO, CA · FDIC certificate 18983 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.04B | |
| Deposits | $5.37B | |
| Loans and leases | $4.61B | |
| Total equity | $567.9M | |
| Loans / deposits | 83.74% (p42 of band) | 87.10% |
| Liquid assets / assets | 22.18% (p54 of band) | |
| Uninsured deposits / deposits | 37.15% (p67 of band) | 30.76% |
| Brokered deposits | 25.82% | |
| Wholesale funding | 27.20% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.22% (p17 of band) | 10.50% |
| Unrealized securities loss / equity | -1.38% (p85 of band) | -7.75% |
| AOCI / equity | -0.75% (p25 of band) | |
| ROA (annualized) | 1.26% (p50 of band) | 1.26% |
| Net interest margin | 2.48% (p5 of band) | 3.70% |
| Efficiency ratio | 30.55% (p3 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 7.35% (p9 of band) | |
| Auto loans | $20,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 18.9% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | wholesale funding >15%, capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | uninsured deposits >50% | wholesale funding >15% |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | wholesale funding >15% |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 2 | wholesale funding >15% |  |
| 2019-09 | 1 |  | wholesale funding >15% |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | capital falling, run vulnerability |  |
| 2020-12 | 2 |  | run vulnerability |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | capital falling, run vulnerability |  |
| 2023-03 | 1 |  | capital falling, run vulnerability |
| 2023-06 | 0 |  | uninsured deposits >50% |
| 2023-09 | 1 | brokered >10% |  |
| 2023-12 | 3 | wholesale funding >15%, capital falling |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 4 | NIM <2.5% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [RCBC IPO News - California-based River City Bank sets terms for $136 million Nasdaq IPO - renaissancecapital.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPLWoyamV1X0RDN0hweDBfVk5kdkFpWEp4dVZYcTVWYjRyLVNsVFc3TjVrbjlKZTVpZjhMQm5JLWhuWDNuaE9ab0xtSnpacTBZTEdINTQ2d0VOYTlNa0dUa09CYzZBM3U3MGQ4S2dmS0RDeGozRTFDc0t2OWdTYVJoVi1GV3JMdFRudVVNWnNmSDNkLU1taHl0V0YwTHRmNklfdWxWQ3J4LVRDV1hLWlltRk9RVUlxemd5ZDdGd2FvSnRWVndGeGRQNw?oc=5) · renaissancecapital.com
- 2026-04-30 [Five Star Bank, River City Bank see double-digit asset growth - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdEF2UEZsZDV4cWZQbjg2VjJ5MTJqVUtjdGNzaTRQQ2ZfUkNQNG1IdDJ3d3F1R2J0c2g0STkteVVyOEdveHBZT1RRU1FwelhNQWpwcWZxdlpfeXB0dkhISl9qUjkxcWpBZUJNYlBkbHRzVUxCY0NLaHdwOThmRDdReThIVUdBWFZoU0RRc1NSSWxKU1NzVXljXzh2elU3RE0?oc=5) · The Business Journals
- 2026-08-07 [River City Bank completes $121.5M secondary IPO on Nasdaq - Investing.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPUEFPdWQyWTBVcF9GQmhPSW1XT05Pc2RRQTliS2UyYzlQcHU2VzMwQ3FMN2M2U050NDUwYUsxUXVBd0pzQWtRNXphOXZfRnBmTkdpNnhXSnNzLUJQVE9Sdy0tZVlMZlR6c2lXZ0FOSjRzX2gwSGZqaGZOMUFzUU15aDlxbm1NeEhDN2o0WC1nVVRld3hrLV85UURtYWphSU1YYkF0ZVpJYWZxZmhtaW1LaGo5a3FPTzVfUmc?oc=5) · Investing.com
- 2026-08-06 [RCBC IPO News - California-based River City Bank prices downsized IPO at $45, below the range - renaissancecapital.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQU2EzX2xycFRFTlBsNEVNV1RVb2dLRXVGM3NUYmIwVV93Wmdma1RYQ1FacXE2RXQ1T0ZRNHVTeHpCbEQySE9Bcmc2NGs5djM3NkRRNk5fcDIzQTJyWEJxTlBRUHFpSENQV0lEejZyRDdqNFBKYnNDcFViaXJiYkM1ZWpTZmkyYVZhZnU1RzlQWjQ1UkstSE1XUFdaWUo1SWd4a2p0SVU1OW92b0hyenAxcjJnM1NUSmQzSzdBMC1oWExpZUJLUEZ2WDZtNGdpdw?oc=5) · renaissancecapital.com
- 2026-01-29 [River City Bank Reports Net Income of $68.4 Million for 2025, Net Income for the Fourth Quarter of $21.0 Million and an Increase in the Quarterly Cash Dividend - newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQVkJfemJvcHhMX3RTbVRiRHlMUk1NTjZsc2tuTmZJSmphSW1TYmNFWk5LX2VRM2wxeXhRMEQ2VjQxYTg4YjhSTU42dDNUT0d3S3NJbFhsTzRjVFJSNkRCU3lmSjE3T2M2R3lnRXZrQ1IxZkk1RV9rSU5WMkhHUS1ZalROdFE0SE1WUTVHRmZZNmVvaWRDcHJrWW92VFdnMGJFYTRjQ2RHUFg2NXdDaEE?oc=5) · newswire.com
- 2026-07-28 [River City Bank (RCBC.US), the largest independent bank in Sacramento, California, sets IPO price at $48-51 per share, aiming to raise $136 millions. - Bitget](https://news.google.com/rss/articles/CBMiZEFVX3lxTE4xRkQzM19hOGEtT0J6RExIS2pvWl9ZeVl2VEdqODFsSWxOS0k2VnJtX2g2SEh4c21YV2hfS3lVR3FtVFREbDJTalJjbEhuZ3dxOXVmLUVKZ19XVUJOVWRKV1dncTLSAWpBVV95cUxNaFl6Y0JVUjE4cU5KS1FMTk04UXVRMkY2c01BSXJMZXVlTC1BZ2FHTmhyN3ZqY18xZDdDcktza016czNaYVkzX19OUFFPMGtVNkZwZlg5NUFFTm9jWnptY2dVUGloVFduLU9R?oc=5) · Bitget
- 2026-08-05 [River City Bank prices IPO at $45 per share on Nasdaq - Investing.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNVXJyclBha0x2WGt6Q0ZBZ2Y4N0F6TG10R25yb2c3RzFfT2xqS0xFMGZ3NUo5Tk0yMTdSaHM4VDZZT0pVeWZaNE9lMnlXYkFsTVZidE5rNlZSaFk2MXAyY1U2c2tiWnR1SU80VzZTOG9zVUFudWxsUjJkOFE4YVY0c2dGbm0xYmF4a3lfUjNzVlJTa1Vwd1BHXzRiX2xTVHRCdmoxTjhNX0wxWGRsUjdhNWJYeTlFUQ?oc=5) · Investing.com
- 2023-07-31 [River City Bank Celebrating 50 Years - Comstock's magazine](https://news.google.com/rss/articles/CBMif0FVX3lxTE85WGw2Y3I3eXI5Z2dXZndYM3doZ21pc0p2Ykd3WEpHSWEwaWRubEdBN0VyYUVNRTVSeElXWTlELWwwOWVXdU5DVmJ4aVYyTFlRMHpselVrbGdNRFBmVnozUEpORHRlR0lTUFEyU2pQa29YaWpLc3lLX1NmUldicU0?oc=5) · Comstock's magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18983 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "18983", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide