River City Bank (FDIC #18983): Bank Stress & Real-Estate Credit Exposure
River City Bank (FDIC Cert #18983): bank stress 67/100, elevated, STABLE over 7 days.
River City Bank (#18983) lends in 4 counties across 1 state; River City Bank (#18983) reaches 132 ZIP codes: California 4 counties, 132 ZIPs.
River City Bank (#18983) largest markets: Sacramento County, CA (232 branches, 58 ZIPs) (#18983), Placer County, CA (34 branches, 34 ZIPs) (#18983), El Dorado County, CA (25 branches, 25 ZIPs) (#18983), Yolo County, CA (38 branches, 19 ZIPs) (#18983).
River City Bank (#18983) reports $6.04 billion in total assets; River City Bank (#18983) equity $567.9 million (9.4% of River City Bank (#18983) assets); River City Bank (#18983) domestic deposits $5.37 billion; River City Bank (#18983) net income $37.6 million; River City Bank (#18983) return on assets 1.26%; River City Bank (#18983) return on equity 13.41%; River City Bank (#18983) net interest income $71.5 million; River City Bank (#18983) call report June 30, 2026.
River City Bank (#18983) noncurrent real-estate loans: none reported; River City Bank (#18983) net charge-offs on real estate 0.00%.
River City Bank (#18983) net interest margin 2.48% against an eight-quarter River City Bank (#18983) average of 2.70% (River City Bank (#18983) compression 0.21 points); River City Bank (#18983) rate-exposure score 40/100, River City Bank (#18983) fixed-rate trap 40/100; River City Bank (#18983) risk type credit driven; River City Bank (#18983) rate regime rates elevated, River City Bank (#18983) snapshot October 19, 2026.
River City Bank (#18983) stress score moved from 67.2 on June 22, 2026 to 67.5 on October 19, 2026; River City Bank (#18983) ranged 67.2 to 67.5 over 116 snapshots.
River City Bank (#18983) alerts: 4 counties; top River City Bank (#18983) alert scores: Sacramento County, CA 41 (moderate); Granite Bay County, CA 23 (low); Placerville County, CA 23 (low); Woodland County, CA 23 (low).