| Metric | River City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +4.4% | +10.9 pts |
| Deposit growth (YoY) | +14.8% | +4.0% | +10.8 pts |
| Loan growth (YoY) | +16.4% | +5.6% | +10.8 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 18.7% | 11.9% | +6.8 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $423.4M | $380.9M | $328.2M | $39.5M | $3.5M | 1.71% | 4.73% | 0.00% |
| Q1 2026 | $416.9M | $375.7M | $316.4M | $37.8M | $1.7M | 1.68% | 4.68% | 0.00% |
| Q4 2025 | $398.0M | $358.7M | $298.6M | $36.1M | $6.0M | 1.57% | 4.63% | 0.02% |
| Q3 2025 | $412.7M | $375.4M | $291.8M | $34.6M | $4.8M | 1.69% | 4.60% | 0.00% |
| Q2 2025 | $367.4M | $331.9M | $282.0M | $32.4M | $3.1M | 1.69% | 4.70% | 0.00% |
| Q1 2025 | $369.6M | $335.5M | $274.6M | $30.6M | $1.5M | 1.62% | 4.64% | 0.00% |
| Q4 2024 | $355.9M | $324.2M | $259.0M | $28.6M | $4.4M | 1.34% | 4.63% | 0.00% |
| Q3 2024 | $349.8M | $318.1M | $243.8M | $28.1M | $3.0M | 1.27% | 4.63% | 0.01% |
Loan mix (Q2 2026): real estate $292.0M · commercial $33.7M · consumer $5.9M · securities $38.0M
| Ratio | River City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 62.9% | 31th |
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 | 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 | 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 | 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 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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