BlastPoint's Banking Scorecard
River City Bank
Micro
Specialty: Commercial
GA
FDIC cert 58289
Designations: ✓ Community bank
Rome, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
River City Bank shows strong momentum with 1 strength and 11.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.38% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$398.0M
+11.8% YoY
-3.6% QoQ
|
+$180.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$298.6M
+15.3% YoY
+2.3% QoQ
|
+$159.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$358.7M
+10.6% YoY
-4.5% QoQ
|
+$175.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.57%
+17.0% YoY
-7.3% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.63%
-0.1% YoY
+0.7% QoQ
|
+0.78% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
61.38%
-2.1% YoY
+6.8% QoQ
|
-6.35% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.03%
+449.3% YoY
|
-0.61% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
83.25%
+4.2% YoY
+7.1% QoQ
|
+8.72% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
22.16%
-12.6% YoY
+2.8% QoQ
|
-0.23% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.02%
+466.5% YoY
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
12.94%
+2.9% YoY
+2.0% QoQ
|
+4.09% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.94%
+8.5% YoY
+28.8% QoQ
|
+0.38% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.94%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
92
92th pctile
Total Loans
Current: $298.6M · Tier avg: $139.2M
91
91th pctile
Total Deposits
Current: $358.7M · Tier avg: $183.7M
91
91th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.56%
88
88th pctile
Total Assets
Current: $398.0M · Tier avg: $217.5M
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.94% · Tier avg: 8.85%
63
63th pctile
Efficiency Ratio
Current: 61.38% · Tier avg: 67.73%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.16% · Tier avg: 22.39%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.25% · Tier avg: 74.53%
Top Weaknesses
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.25% · Tier avg: 74.53%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.16% · Tier avg: 22.39%
63
63th pctile
Efficiency Ratio
Current: 61.38% · Tier avg: 67.73%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.94% · Tier avg: 8.85%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
88
88th pctile
Total Assets
Current: $398.0M · Tier avg: $217.5M
91
91th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.56%
91
91th pctile
Total Deposits
Current: $358.7M · Tier avg: $183.7M
92
92th pctile
Total Loans
Current: $298.6M · Tier avg: $139.2M