| Metric | River City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +5.5% | +8.1 pts |
| Deposit growth (YoY) | +18.9% | +5.1% | +13.8 pts |
| Loan growth (YoY) | +7.3% | +5.9% | +1.4 pts |
| ROA | 1.26% | 1.26% | -0.0 pts |
| ROE | 13.4% | 12.2% | +1.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.04B | $5.37B | $4.50B | $567.9M | $37.6M | 1.26% | 2.48% | 0.00% |
| Q1 2026 | $6.05B | $5.39B | $4.45B | $563.9M | $17.9M | 1.21% | 2.50% | 0.00% |
| Q4 2025 | $5.80B | $5.15B | $4.48B | $548.5M | $68.4M | 1.27% | 2.77% | 0.00% |
| Q3 2025 | $5.47B | $4.86B | $4.29B | $527.7M | $47.4M | 1.19% | 2.75% | 0.00% |
| Q2 2025 | $5.32B | $4.52B | $4.19B | $510.0M | $27.7M | 1.06% | 2.69% | 0.00% |
| Q1 2025 | $5.29B | $4.67B | $4.13B | $497.9M | $12.3M | 0.94% | 2.63% | 0.00% |
| Q4 2024 | $5.14B | $4.45B | $4.07B | $484.7M | $73.4M | 1.45% | 2.88% | 0.00% |
| Q3 2024 | $5.11B | $4.45B | $3.94B | $466.7M | $52.1M | 1.38% | 2.88% | 0.00% |
Loan mix (Q2 2026): real estate $4.42B · commercial $144.4M · consumer $921K · securities $987.0M
| Ratio | River City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.2% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 30.6% | 59.0% | 3th |
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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