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River City Bank

IDRSSD: 253468
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 253468 held $6.0B in total assets as of 2026-03-31 (+4.2% quarter-over-quarter). Total loans stood at $4.5B (-0.5% QoQ) and total deposits at $5.4B (+4.6% QoQ).

Overall position is adequate — the composite Health Score is 56/100 (Adequate). Tier 1 / RWA stands at 13.14%, in the below median of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
56/100
Adequate
Active Alerts
2
0 critical, 2 warning
Total Assets
$6.0B
+4.2% QoQ
Total Loans
$4.5B
-0.5% QoQ
Total Deposits
$5.4B
+4.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.14%
48th pctile · n=206↑ better
+39 bp QoQ
CET1 / RWA
13.14%
57th pctile · n=233↑ better
+39 bp QoQ
Total RBC / RWA
14.41%
49th pctile · n=206↑ better
+39 bp QoQ
Tier 1 Leverage Ratio
13.14%
54th pctile · n=233↑ better
+39 bp QoQ

Liquidity

Cash / Assets
11.40%
84th pctile · n=233↑ better
+317 bp QoQ
Loans / Deposits
82.65%
37th pctile · n=231↓ better
-429 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.00%
2th pctile · n=233↓ better
NPA / Assets
0.00%
2th pctile · n=233↓ better
Texas Ratio (regulatory)
0.00%
2th pctile · n=233↓ better
Net Charge-Offs / Avg Loans
0.00%
14th pctile · n=233↓ better
ALLL Coverage of NPL
0.00%
2th pctile · n=233↑ better

Earnings

Net Interest Margin
2.50%
8th pctile · n=233↑ better
-37 bp QoQ
Return on Assets
1.21%
38th pctile · n=233↑ better
-28 bp QoQ
Return on Equity
12.91%
59th pctile · n=233↑ better
-271 bp QoQ
Efficiency Ratio
31.81%
5th pctile · n=233↓ better
+526 bp QoQ
Pre-tax NOI / Avg Assets
1.68%
54th pctile · n=233↑ better
-35 bp QoQ

Funding

Brokered / Deposits
26.95%
94th pctile · n=231↓ better
-22 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
1.35%
40th pctile · n=233↓ better
-28 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
11.91%
39th pctile · n=233↑ better
+27 bp QoQ
AFS Securities / Assets
11.91%
54th pctile · n=233↑ better
+27 bp QoQ
HTM Securities / Assets
0.00%
21th pctile · n=233↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 08:32:43 UTC