River Valley Community Bank (FDIC #58276): Bank Stress & Real-Estate Credit Exposure
River Valley Community Bank (FDIC Cert #58276): bank stress 85/100, severe, STABLE over 7 days; parent RIVER VALLEY COMMUNITY BCORP.
River Valley Community Bank (#58276) lends in 4 counties across 1 state; River Valley Community Bank (#58276) reaches 70 ZIP codes: California 4 counties, 70 ZIPs.
River Valley Community Bank (#58276) largest markets: Placer County, CA (68 branches, 34 ZIPs) (#58276), Yuba County, CA (18 branches, 18 ZIPs) (#58276), Sutter County, CA (14 branches, 14 ZIPs) (#58276), Nevada County, CA (12 branches, 12 ZIPs) (#58276).
River Valley Community Bank (#58276) reports $793.1 million in total assets; River Valley Community Bank (#58276) equity $60.7 million (7.6% of River Valley Community Bank (#58276) assets); River Valley Community Bank (#58276) domestic deposits $704.9 million; River Valley Community Bank (#58276) net income $2.6 million; River Valley Community Bank (#58276) return on assets 0.67%; River Valley Community Bank (#58276) return on equity 8.60%; River Valley Community Bank (#58276) net interest income $11.7 million; River Valley Community Bank (#58276) call report June 30, 2026.
River Valley Community Bank (#58276) noncurrent real-estate loans: none reported; River Valley Community Bank (#58276) net charge-offs on real estate 0.00%.
River Valley Community Bank (#58276) net interest margin 3.20% against an eight-quarter River Valley Community Bank (#58276) average of 3.24% (River Valley Community Bank (#58276) compression 0.04 points); River Valley Community Bank (#58276) rate-exposure score 40/100, River Valley Community Bank (#58276) fixed-rate trap 40/100; River Valley Community Bank (#58276) risk type credit driven; River Valley Community Bank (#58276) rate regime rates elevated, River Valley Community Bank (#58276) snapshot October 20, 2026.
River Valley Community Bank (#58276) stress score moved from 83.9 on June 22, 2026 to 85.5 on October 20, 2026; River Valley Community Bank (#58276) ranged 83.9 to 85.5 over 117 snapshots.
River Valley Community Bank (#58276) alerts: 4 counties; top River Valley Community Bank (#58276) alert scores: Grass Valley County, CA 27 (low); Marysville County, CA 27 (low); Roseville County, CA 27 (low); Yuba City County, CA 27 (low).