River City Bank: how it compares with its peers
Against 25 CA banks with half to twice its assets, River City Bank's strongest measure in Q2 2026 is assets per employee ($38.7M vs. a $12.7M peer median). Its weakest relative measure is net interest margin (2.48% vs. 3.64%).
| Measure | River City Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.29% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.48% | 3.64% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 30.55% | 51.05% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $38.7M | $12.7M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.74% | 83.77% | Context |
What it means for lending operations
Its efficiency ratio of 30.55% is better than the 51.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Fremont Bank Fremont, CA · $5.97B
- CTBC Bank Corp. (USA) Los Angeles, CA · $5.87B
- Farmers & Merchants Bank of Central California Lodi, CA · $5.83B
- Westamerica Bank San Rafael, CA · $5.77B
- SMBC MANUBANK Los Angeles, CA · $6.60B
- Five Star Bank Roseville, CA · $5.38B
Questions about River City Bank
How big is River City Bank?
River City Bank, established in 1963, is headquartered in Sacramento, CA. It reported $6.04B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is River City Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.29% median for 25 CA banks with half to twice its assets, ahead of 40% of them.
What is River City Bank's efficiency ratio?
30.55% in Q2 2026: it spent about 31 cents in noninterest expense for each dollar of revenue. The peer median is 51.05%, and lower is better.
Is River City Bank growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 18.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.