| Metric | River City Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.3 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.4 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 10.3% | 11.9% | -1.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $494.9M | $438.3M | $373.3M | $50.4M | $2.5M | 1.02% | 3.46% | 0.27% |
| Q1 2026 | $489.9M | $438.5M | $367.2M | $48.4M | $963K | 0.78% | 3.41% | 0.00% |
| Q4 2025 | $493.5M | $439.0M | $364.9M | $47.9M | $4.1M | 0.82% | 3.31% | 0.00% |
| Q3 2025 | $507.8M | $443.1M | $374.7M | $46.2M | $3.1M | 0.82% | 3.26% | 0.00% |
| Q2 2025 | $505.4M | $439.8M | $380.4M | $43.1M | $1.3M | 0.54% | 3.22% | 0.00% |
| Q1 2025 | $491.4M | $423.9M | $368.8M | $41.8M | $368K | 0.30% | 3.20% | 0.00% |
| Q4 2024 | $492.3M | $427.4M | $364.5M | $40.5M | $1.9M | 0.40% | 2.75% | 0.00% |
| Q3 2024 | $480.0M | $410.9M | $350.7M | $41.9M | $1.1M | 0.30% | 2.68% | 0.00% |
Loan mix (Q2 2026): real estate $359.2M · commercial $14.9M · consumer $984K · securities $74.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | River City Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | River City Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | River City Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | River City Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | River City Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.