River City Bank: how it compares with its peers
Against 72 GA banks with half to twice its assets, River City Bank's strongest measure in Q2 2026 is return on assets (1.71% vs. a 1.57% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $7.2M).
| Measure | River City Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.57% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 4.57% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.69% | 57.91% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.2M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.17% | 79.80% | Context |
What it means for lending operations
Its efficiency ratio of 56.69% is better than the 57.91% 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
- Great Oaks Bank Richmond Hill, GA · $422M
- The Citizens Bank of Swainsboro Swainsboro, GA · $420M
- F&M Bank Washington, GA · $420M
- Touchmark National Bank Alpharetta, GA · $417M
- CIBC National Trust Company Atlanta, GA · $413M
- Exchange Bank Milledgeville, GA · $410M
Questions about River City Bank
How big is River City Bank?
River City Bank, established in 2006, is headquartered in Rome, GA. It reported $423M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is River City Bank's return on assets?
1.71% annualized in Q2 2026, against a 1.57% median for 72 GA banks with half to twice its assets, ahead of 65% of them.
What is River City Bank's efficiency ratio?
56.69% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 57.91%, and lower is better.
Is River City Bank growing its loans?
Net loans grew 16.4% over the year to Q2 2026, while deposits grew 14.8%.
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 GA 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 Georgia bank ranked.