BlastPoint's Banking Scorecard
River City Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 18983
Designations: ✓ Community bank
Sacramento, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
River City Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.31% below tier
- + Delinquency Rate 0.68% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 61% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.8B
+12.8% YoY
+6.0% QoQ
|
-$4.7B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$4.5B
+10.1% YoY
+4.4% QoQ
|
-$2.7B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$5.1B
+15.6% YoY
+5.9% QoQ
|
-$3.4B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.27%
-12.9% YoY
+6.3% QoQ
|
+0.10% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
2.77%
-3.8% YoY
+0.9% QoQ
|
-0.62% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
31.30%
+17.7% YoY
-6.2% QoQ
|
-25.31% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? | 0.00% | -0.68% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
86.94%
-4.8% YoY
-1.4% QoQ
|
+1.47% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
18.12%
-3.3% YoY
-0.3% QoQ
|
-2.52% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.75%
+4.1% YoY
+1.4% QoQ
|
-0.80% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
-0.04%
-119.3% YoY
+60.9% QoQ
|
-1.00% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 5%
in Mid-Market
Why this stands out
Current:
31.30%
(Tier avg: 56.60%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Margin Compression
decline
#12 of 19 · Bottom 61% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.27%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Efficiency Ratio
Current: 31.30% · Tier avg: 56.60%
59
59th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
53
53th pctile
Loan-to-Deposit Ratio
Current: 86.94% · Tier avg: 85.47%
44
44th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 13.55%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.12% · Tier avg: 20.64%
27
27th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
22
22th pctile
Total Deposits
Current: $5.1B · Tier avg: $8.5B
21
21th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.40%
16
16th pctile
Total Assets
Current: $5.8B · Tier avg: $10.5B
Top Weaknesses
16
16th pctile
Total Assets
Current: $5.8B · Tier avg: $10.5B
21
21th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.40%
22
22th pctile
Total Deposits
Current: $5.1B · Tier avg: $8.5B
27
27th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.12% · Tier avg: 20.64%
44
44th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 13.55%
53
53th pctile
Loan-to-Deposit Ratio
Current: 86.94% · Tier avg: 85.47%
59
59th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 31.30% · Tier avg: 56.60%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%