$4.56B
+7.8%y/y
Percentile by value70th percentileby value
FDIC
LNLSGRRC
River City Bank
Sacramento, CaliforniaFDIC Cert #18983
STATEEstablished 19639 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $160M |
| Investor CRE | $2.36B |
| Multifamily | $1.62B |
| Construction | $20M |
| 1–4 family | $202M |
| C&I | $135M |
| Agriculture | $46.9M |
| Other | $18.4M |
Loan book
Reported balances and balance-sheet intensity.
$4.45B
+7.9%y/y
Percentile by value69th percentileby value
FDIC
LNLSNET+7.90%
−52.8%y/y
Percentile by value61st percentileby value
FDIC
LNLSNET82.7%
−6.5%y/y
Percentile by value37th percentileby value
FDIC
LNLSNET + DEP73.6%
−5.7%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET + ASSET96.44%
+0.7%y/y
Percentile by value87th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
651%
−3.3%y/y
Percentile by value100th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC3%
+24.4%y/y
Percentile by value8th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,975points
+2.4%y/y
Peer standing9th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD3.52%
−9.9%y/y
Percentile by value15th percentileby value
FDIC
LNRENROW + LNLSGR51.68%
+1.8%y/y
Percentile by value100th percentileby value
FDIC
LNRENROT + LNLSGR2.97%
−20.1%y/y
Percentile by value10th percentileby value
FDIC
LNCI + LNLSGR