River City Bank
Rome, GA
IDRSSD: 3445901
Total Assets
$412.73M
Latest filing
Total Deposits
$375.40M
Latest filing
Net Interest Margin
4.55%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
River City Bank
228 N 2nd Ave Sw
Rome, GA 30165
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/23/2006FDIC Certificate 445530
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| River City Bank (Main) | 228 N 2nd Ave Sw | Rome, GA |
| HWY 515 BLAIRSVILLE BRANCH | 206 Highway 515 E | Blairsville, GA |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 05/23/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30165 |
| State and County Number | 13115 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Rome, GA |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 2 |
| 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 | 05/23/2006 |
| Primary Insurance Agency | DIF |
| Website | www.rivercity.bank |
| Data Updated | 11/14/2025 |
| CERT | 58289 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $412.73M |
| Total Deposits | $375.40M |
| Total Liabilities | $378.13M |
| Total Equity Capital | $34.59M |
| Net Income | $1.71M |
| Net Loans and Leases | $291.77M |
| Assets Per Employee ($Millions) | $7.79M |
| Bank Premises and Fixed Assets | $6.47M |
| Cash and Balances due from Depository Institutions | $65.04M |
| Deposits Held in Domestic Offices | $375.40M |
Key Performance Ratios
| Return on Assets (ROA) | 1.75% |
| Return on Equity (ROE) | 20.38% |
| Net Interest Margin | 4.55% |
| Efficiency Ratio | 61.07% |
| Tier 1 Risk-Based Capital Ratio | 12.678% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.381% |
| Earning Assets to total Assets | 94.8% |
Income and Expense
| Total Interest Income | $5.94M |
| Total Noninterest Income | $939.00k |
| Total Interest Expense | $1.75M |
| Total Noninterest Expense | $3.13M |
| Net Interest Income | $4.19M |
| Pre-tax Net Operating Income | $1.93M |
| Provision for Credit Losses | $62.00k |
| 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 | $743.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.99M |
| Total Liabilities and Capital | $412.73M |
Securities
| Securities | $38.91M |
| Available-for-sale debt securities | $36.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.84M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of River City Bank?
$412.73M as of the latest filing.
How much are River City Bank's total deposits?
$375.40M in total deposits.
Where is River City Bank located?
Rome, GA.
What is the Net Interest Margin?
4.55%.
How many domestic offices does it operate?
2.
When was it established?
05/23/2006.
What is the Return on Assets (ROA)?
1.75%.
How much are total loans and leases?
$291.77M (latest filing).
What is the total interest income (latest filing)?
$5.94M.