River City Bank
Sacramento, CA
IDRSSD: 253468
Total Assets
$5.47B
Latest filing
Total Deposits
$4.86B
Latest filing
Net Interest Margin
2.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
River City Bank
2480 Natomas Park Dr
Sacramento, CA 95833
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/16/1963FDIC Certificate 12827
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| River City Bank (Main) | 2480 Natomas Park Dr | Sacramento, CA |
| ELK GROVE BRANCH | 8923 Elk Grove Blvd | Elk Grove, CA |
| DAVIS OFFICE | 239 E St | Davis, CA |
| HOWE AVENUE BRANCH | 900 Howe Ave | Sacramento, CA |
| PLACERVILLE BRANCH | 348 Main St | Placerville, CA |
| SUNRISE BRANCH | 5650 Sunrise Blvd | Citrus Heights, CA |
| WOODLAND BRANCH | 199 Main St | Woodland, CA |
| GRANITE BAY BRANCH | 4033 Cavitt Stallman Rd | Roseville, CA |
Showing 7 of 8
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 | 12/16/1963 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95833 |
| State and County Number | 06067 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Sacramento-Roseville-Folsom, CA |
Operational Info
| Number of Employees | 154 |
| Domestic Offices | 9 |
| 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 | 12/16/1963 |
| Primary Insurance Agency | DIF |
| Website | http://www.rivercitybank.com |
| Data Updated | 11/14/2025 |
| CERT | 18983 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.47B |
| Total Deposits | $4.86B |
| Total Liabilities | $4.95B |
| Total Equity Capital | $527.70M |
| Net Income | $19.68M |
| Net Loans and Leases | $4.29B |
| Assets Per Employee ($Millions) | $34.22M |
| Bank Premises and Fixed Assets | $11.63M |
| Cash and Balances due from Depository Institutions | $339.41M |
| Deposits Held in Domestic Offices | $4.86B |
Key Performance Ratios
| Return on Assets (ROA) | 1.46% |
| Return on Equity (ROE) | 15.17% |
| Net Interest Margin | 2.88% |
| Efficiency Ratio | 29.25% |
| Tier 1 Risk-Based Capital Ratio | 12.583% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.639% |
| Earning Assets to total Assets | 96.55% |
Income and Expense
| Total Interest Income | $72.08M |
| Total Noninterest Income | $491.00k |
| Total Interest Expense | $34.66M |
| Total Noninterest Expense | $11.09M |
| Net Interest Income | $37.42M |
| Pre-tax Net Operating Income | $27.47M |
| Provision for Credit Losses | $-644,000 |
| 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 | $63.84M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.23M |
| Total Liabilities and Capital | $5.47B |
Securities
| Securities | $674.12M |
| Available-for-sale debt securities | $674.12M |
| 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?
$5.47B as of the latest filing.
How much are River City Bank's total deposits?
$4.86B in total deposits.
Where is River City Bank located?
Sacramento, CA.
What is the Net Interest Margin?
2.88%.
How many domestic offices does it operate?
9.
When was it established?
12/16/1963.
What is the Return on Assets (ROA)?
1.46%.
How much are total loans and leases?
$4.29B (latest filing).
What is the total interest income (latest filing)?
$72.08M.