River City Bank, Inc.: how it compares with its peers
Against 51 KY banks with half to twice its assets, River City Bank, Inc.'s strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $6.1M peer median). Its weakest relative measure is return on assets (1.02% vs. 1.29%).
| Measure | River City Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.29% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 3.76% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.49% | 58.25% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.1M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.18% | 84.58% | Context |
What it means for lending operations
Its efficiency ratio of 64.49% is above the 58.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Springfield State Bank Springfield, KY · $487M
- Eclipse Bank, Inc. Louisville, KY · $486M
- First Community Bank of the Heartland, Inc. Clinton, KY · $506M
- The Casey County Bank, Inc. Liberty, KY · $508M
- The First National Bank of Russell Springs Russell Springs, KY · $475M
- Pbt Bancorp Hazard, KY · $473M
Questions about River City Bank, Inc.
How big is River City Bank, Inc.?
River City Bank, Inc., established in 1986, is headquartered in Louisville, KY. It reported $495M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is River City Bank, Inc.'s return on assets?
1.02% annualized in Q2 2026, against a 1.29% median for 51 KY banks with half to twice its assets, ahead of 24% of them.
What is River City Bank, Inc.'s efficiency ratio?
64.49% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.25%, and lower is better.
Is River City Bank, Inc. growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits shrank 0.4%.
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 KY 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 Kentucky bank ranked.