# RIVER VALLEY COMMUNITY BANK
YUBA CITY, CA · FDIC certificate 58276 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $793.1M | |
| Deposits | $704.9M | |
| Loans and leases | $405.3M | |
| Total equity | $60.7M | |
| Loans / deposits | 56.79% (p10 of band) | 82.04% |
| Liquid assets / assets | 45.26% (p89 of band) | |
| Uninsured deposits / deposits | 49.18% (p95 of band) | 25.97% |
| Brokered deposits | 2.29% | |
| Wholesale funding | 5.19% (p58 of band) | |
| FHLB advances / assets | 2.90% | |
| Tier 1 leverage | 8.73% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -22.16% (p20 of band) | -8.10% |
| AOCI / equity | -1.86% (p9 of band) | |
| ROA (annualized) | 0.67% (p16 of band) | 1.28% |
| Net interest margin | 3.20% (p16 of band) | 3.91% |
| Efficiency ratio | 69.45% (p72 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 90% | |
| Construction % of loans | 23.31% (p29 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 28.2% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | wholesale funding >15% | charge-offs p90 |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | wholesale funding >15% |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | wholesale funding >15% |
| 2020-03 | 3 | wholesale funding >15%, capital falling, expense ratio p90 |  |
| 2020-06 | 2 |  | expense ratio p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | wholesale funding >15% |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 | uninsured deposits >50% |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | capital falling |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-02 [TWENTY YEARS LATER: A BANK THAT GREW WITH ITS COMMUNITY - Comstock's magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOcUhLNWtrN1pDeTd4M185cHdaR0JzbmRUTlZUbG5RcWtRR1hjYl90eWlkZGNTWGVhNGNINkVCcEQ4ZzFwZ1pkUTl4TWh4d3hIZ1dXODV4Wmk1X3I5OG41SHFxaktVTnhxbVBWRkExLUdXX3JYQUlhdVJwY1VNZnJGWWVDWTZUWDQ0?oc=5) · Comstock's magazine
- 2026-07-21 [River Valley Community Bancorp Announces Financial Results - GlobeNewswire](https://news.google.com/rss/articles/CBMipAJBVV95cUxOcnFRNjRpVmNHOUpOdzNZOFR3akVIcHgtcnlIY25pdFNrSHlxd3FJX3VWWUFpdmQtUG10NGlOQkkzV2FUdDVnRmxFVHRsaU5MaVF4RjF6eHczakpfS0RiSHhEUVI4WWdXRU5UQWk4OFB1dFpraTUyeGZucWoyVTZUS29rT1J0WjlyZ2ZqR2FSU0NrektRaWh3Ql9tbHBRSnlEakhqU2ZrbldLUG5tUTRvUGhjZm55TkdjcXVGQ1FRaVlUT3lRd1ZQR0ZjQUY1Ny1vNW5YamtBRml2YmJYRDRJZ1c5LWJ1ZGxPcVMwR0Zwb0FxZUpDZ0hHTWd4cEEzcmgyOG85a0tiNmtJb0ZGRFJ2ajlFWXRMd1FiOUFRYXZjLUpuVDdj?oc=5) · GlobeNewswire
- 2025-09-29 [River Valley Community Bank appoints former Roseville mayor Garcia as relations, development officer - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc0pscFNoRnU3blZRUE1lYzF4TWx5TmF2ZlN5ZjVhMGVGTWljdEpzMXA2WVdNT2ZWcW5tVUdRajFNTFJUTWZjcGdXQ3RjaGdPMVhYMjR5WDBBRURFelJTVU5TNlpXZG1ldWF0XzRGQk5oU20wVjNVYTZwUG1TMmI5TkRuWkFuSDhYWHlwR3d4MFE5OEl3S2lVblpfUndHNnNfTEE?oc=5) · The Business Journals
- 2025-07-01 [RIVER VALLEY COMMUNITY BANK - Comstock's magazine](https://news.google.com/rss/articles/CBMic0FVX3lxTFBtYjIxNGtwUnc1RzQzOFdQajQxRms3NnZQSWJoVWE3MHBHVGE1Ny16WmIzZjgzeFJzOWI0cUJzS0ZZTjR3SUdUVEszdzQtRmFILW94Sm1sY0dUNjI3Y3dtRjVrY1V4SUs2aE9wWk1zaEJYSzg?oc=5) · Comstock's magazine
- 2015-03-05 [Local Banker promoted to Vice President of Operations at River Valley Community Bank - TheUnion.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxPRGw2RGhnZENid01CLW1zTnhheHhhS1RBak5NblU3T0RUaVdiRk9VTzhIbDRZaVBsZlBoWHNxRnVmNWJrMU9CV1h5d1NhUkJENWdScVpXSDNJcV9qWmFMSk93UDMxM194WUJSLWdzTy1uV3dZcWN4akZOUUJHRV90NTU1dnEtN1o0RzdUbzN2dWtmMEhNazUxQWVsczNkZ1drN2w5S3lsUGZNTDlQRVhMNjdHQVBlQUYyVzczN2QtWVVtMTZITnk5VE53YVBGeGFRQmtaTU9icEIzeVVCOWIxR2pwX01Nd2pIWmVYZEt3dkJfZVQ2VTl1ZHlzUnp4RFpXRXo0?oc=5) · TheUnion.com
- 2017-09-01 [RVCB Stock Price and Chart — OTC:RVCB - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE01NUZaRE1Fd0VzTS1hVmVCYlZobkdibWJiN09ETGkxYVpJM2tRb1Fvck84VHJ1dXdmQzRqeFI0bzFybFdZZ0pxU2FVTE1sT20xb0tjd2NFRkw?oc=5) · TradingView
- 2024-11-22 [River Valley Community Bancorp Announces Director Retirements - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2024-10-15 [River Valley Community Bancorp Announces 3rd Quarter Results (Unaudited) - GlobeNewswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQVnJMMXdRZ2pGWTdJVm5mZS00ZFV2SHlmMHp0ZldRdTdMMzFkU0JESWMtclI5dE51R1hkTjFQeXhNNDh4SEpJTkZ2dEhuQ2ZfUVRVUC03SHlGQmpQOUdnLS1JVlBHVExWQXhXaWlWZV9tdmNxSXotVWNIWFdBLUJHRkY4M3RpRWJCZ0FIa01ReUc1Y0xkODR1T0NESHJnbGE3MGZJcGR3c1VCOXZxSm84TmZnVTJseWhrVVJ2Y1lKalNCcXZGUDFycDFpck5lZ2gyM2QxZ0VhYS1IZw?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58276 (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/36.json (key "58276", 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