River City Bank, Inc.
Louisville, KY
IDRSSD: 396244
Total Assets
$507.81M
Latest filing
Total Deposits
$443.10M
Latest filing
Net Interest Margin
3.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
River City Bank, Inc.
500 S 6th St
Louisville, KY 40202
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/26/1986FDIC Certificate 35768
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| River City Bank, Inc. (Main) | 500 S 6th St | Louisville, KY |
| JEFFERSONTOWN BRANCH | 10130 Taylorsville Rd | Jeffersontown, KY |
| BARDSTOWN ROAD BRANCH | 2501 Bardstown Rd | Louisville, KY |
| HIGHVIEW BRANCH | 7710 Outer Loop | Louisville, KY |
| GREENWOOD ROAD BRANCH | 6308 Greenwood Rd | Louisville, KY |
| MIDDLETOWN BRANCH | 14000 Shelbyville Rd | Louisville, KY |
| JEFFERSONVILLE BRANCH | 3511 E 10th St | Jeffersonville, IN |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/26/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40202 |
| State and County Number | 21111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Louisville-Jefferson County, KY-IN |
Operational Info
| Number of Employees | 67 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/26/1986 |
| Primary Insurance Agency | DIF |
| Website | www.rivercitybankky.com |
| Data Updated | 11/14/2025 |
| CERT | 26703 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $507.81M |
| Total Deposits | $443.10M |
| Total Liabilities | $461.63M |
| Total Equity Capital | $46.18M |
| Net Income | $1.72M |
| Net Loans and Leases | $374.75M |
| Assets Per Employee ($Millions) | $7.47M |
| Bank Premises and Fixed Assets | $13.05M |
| Cash and Balances due from Depository Institutions | $18.29M |
| Deposits Held in Domestic Offices | $443.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.36% |
| Return on Equity (ROE) | 15.41% |
| Net Interest Margin | 3.33% |
| Efficiency Ratio | 47.89% |
| Tier 1 Risk-Based Capital Ratio | 13.734% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.095% |
| Earning Assets to total Assets | 92.19% |
Income and Expense
| Total Interest Income | $7.56M |
| Total Noninterest Income | $445.00k |
| Total Interest Expense | $3.67M |
| Total Noninterest Expense | $2.07M |
| Net Interest Income | $3.88M |
| Pre-tax Net Operating Income | $2.26M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $13.38M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.15M |
| Total Liabilities and Capital | $507.81M |
Securities
| Securities | $79.07M |
| Available-for-sale debt securities | $79.07M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of River City Bank, Inc.?
$507.81M as of the latest filing.
How much are River City Bank, Inc.'s total deposits?
$443.10M in total deposits.
Where is River City Bank, Inc. located?
Louisville, KY.
What is the Net Interest Margin?
3.33%.
How many domestic offices does it operate?
7.
When was it established?
06/26/1986.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$374.75M (latest filing).
What is the total interest income (latest filing)?
$7.56M.