# RIVER CITY BANK
ROME, GA · FDIC certificate 58289 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $423.4M | |
| Deposits | $380.9M | |
| Loans and leases | $332.6M | |
| Total equity | $39.5M | |
| Loans / deposits | 86.17% (p62 of band) | 82.04% |
| Liquid assets / assets | 18.36% (p26 of band) | |
| Uninsured deposits / deposits | 27.73% (p58 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.17% (p26 of band) | |
| FHLB advances / assets | 0.17% | |
| Tier 1 leverage | 10.15% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -9.38% (p46 of band) | -8.10% |
| AOCI / equity | -0.48% (p42 of band) | |
| ROA (annualized) | 1.71% (p76 of band) | 1.28% |
| Net interest margin | 4.73% (p89 of band) | 3.91% |
| Efficiency ratio | 56.69% (p35 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 117.89% (p92 of band) | |
| Auto loans | $1.2M (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 6 | capital falling, charge-offs p90 |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, capital falling, charge-offs p90 |
| 2012-06 | 6 |  |  |
| 2012-09 | 7 | charge-offs p90 |  |
| 2012-12 | 6 |  | uninsured deposits leaving |
| 2013-03 | 4 |  | construction >100% equity, charge-offs p90 |
| 2013-06 | 5 | construction >100% equity |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking, construction >100% equity |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-12 | 5 | capital falling, losing money, expense ratio p90, assets shrinking | reserve under noncurrent |
| 2016-03 | 1 |  | charge-offs p90, capital falling, losing money, expense ratio p90 |
| 2016-06 | 4 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 2 | charge-offs p90 | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2016-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 2 | capital falling | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-12 | 4 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 | capital falling | charge-offs p90, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-03-09 [River City Bank to open loan production office in Cartersville - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQMElEbkVDb2hPZ09NWU9YSXYxb0RsWVU5LWlGT2p5SWVCZzU1a1FmQ3QwLVZiMmE5Sm96dUNVWGM0S1BVQTJON2dsUml6WW0xV0JxMnZGU2lZY3ZnYjd0azRWVi1tU050aFFhMERlbzROY2pPaFdDY1ZmQlYtU3Z1Vzh5VGhUX3NXczZRNi1uWTF5bjdVX0lQcU9SSGxPS3NvVGk5b0ZZRlg4akY5OHhnNHNpWWJUeG1CLVR5Z3dONDV2VDN6V1RvRWZrOTBVdlFodDM3Y2tSWDdyMkZTVU1mRVFIeWNpT3ZXQUE?oc=5) · The Rome News-Tribune
- 2026-06-22 [Georgia Bankers Association selects new chair, board members - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVk1hNnhRZXlRNlpNLVFxSm1VVERacGhHRGE2TGFtLUdBZWgtOEhBNXQxNWlHMG5ka0FTRGdkbkVmUnllY1pHeHlzVU12S19ZV29UakJ6MHJQMGM4MmRoS24zMDgzaXpXMVlIZTZmeWZpampQcjFlY0tfLW1aWEJtZllJMkNMV2ZoT0V3RWQ0SFlnU1pacUZYVHpn?oc=5) · The Business Journals
- 2026-08-18 [A Night to Remember Foundation Announces 2026 EventLineup and Prom Court - Coosa Valley News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZWxrVDJDWkhieDdfdmFSSUgyUXBkb2p1OXpldm5takpvc0RuNUs2alNkdUlodGJHTmYyWkE5OTNIVHRVYnhZRjVpUWlNR2xwcy1GM0x3Y19hdE8yMzVuT0RQT1VTa3VDLU1sVHNvLVViMENTU0hJVEJPMDJjZko0aG5xWkphM1JUQWd1OVQxZVNkM0VFMXczZnhhTFh3ejNJdXpPNEVmMzV6a3ZRRkE?oc=5) · Coosa Valley News
- 2026-01-12 [Jim Bojo selected as Rome’s mayor - wrganews.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9hMXl1TjBRSWtPODg5SWszeW1RMXNuTjloaDVPSkZpRHhLU3NyYl9LSS1lSzRCZWFBd0dnTS11OGZQRGJNSlI0bkNNS01mMTdzMjRjVDBVN2xzOGdkRDRYTUtZTTVmdC1iT0prQXJFYkdIY1dnZmNnaw?oc=5) · wrganews.com
- 2022-07-12 [River City Bank data breach $140K class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNOE84ZzRzRjc2cWxvVEFEYnZEUzNEMXgyUER5dkNBN1hYdTdXY2Y4N0EtR1BWT0Z5dVBEVzdvWEgxQTV0ZWJwRXVCOXdIMTB1X0YxNW5sb1g4TWVVZzFISG53VDdDZlpXN19PaVc2RlVfZ2gzcWZvQjRIb2VPb0RCSDA4LWJPYy1ES0JnNzRNYmFXd3NYSjBhV1hmNWthSV8xV0t1cm1Sd1BKX3pKRHFxWWN1RzJIUV9WbjNCRzVOLVZPZw?oc=5) · Top Class Actions
- 2026-02-04 [Forbes 2026 America's Best Banks List | Top Ranked and Rated - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBrbWc0QzhhUnVtRVhDWVM4bl9kLTh0NC03SDNEQjRLNkRVdmphMWItazhVejNfLTBNLTBDaDZDMXJJdWpfbzJCNVo4MnVOSGk0YVRTN3ZXbnVqdVRvcGc?oc=5) · Forbes
- 2025-01-02 [River City Bank Announces Promotions For Wallace, Mashburn - The Rome News-Tribune](https://news.google.com/rss/articles/CBMiiwJBVV95cUxONkVvSTFIT1dkdWhRanpFRWJrS0hGZXkzeVREUC1OVWc4R0l3OWVjR0ZsNHhCTV9XOFVRbUpOTXFjRnVyNk5VLTZGYjJKVlJqYTExNkV6YnNiNWhsVk93YUZKWnR1UzFpQWJLRV9icXhRV0ZRMFJrWFFvQUItSlNGdTB5bVNNX1MtTkVWWVYwUDR2Ykt1R1ZJaE5kVU85VklzY3lOaVBIMkpCZ3ZIN3d4bXdjUG1uUGlZTEVmTThpaW1ZT3RpZ2drZEZnQ3VzT2hiYnNsNHRiUTRXVU1QQVFkNmdONzlxMURrTUl2Vy1OMUtQVXAtZTNhN1pGTzBTWW1JT0l2N1huZnlObFU?oc=5) · The Rome News-Tribune
- 2023-08-22 [S&P just downgraded some big banks. Here are the 5 that are impacted. - CBS News](https://news.google.com/rss/articles/CBMickFVX3lxTFBLMXFrOEYzOW1mZ1pwMmFLQmg3Z2lIRVB2bTRrTEFrRnMtbUVNeGFVMEdjTjNuQ0U1bEJvVk5FSHhHOFFoMkJyN24xYTFVck5HdVJtMzkzNTBwQUtGd3lCTmZYU013Q3J3LUVhTGRCOXVWUQ?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58289 (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/49.json (key "58289", 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