River City Bank, Inc.
Louisville, KY · Cert 26703 · Peer group: banks under $1B in assets (n=573-620) · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 7 branches (27 in holding)
Q2 2026
$494.9MAssets
$375.9MLoans
$438.3MDeposits
$50.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
- Widest gap: net interest margin trails 72% of banks under $1B in assets (rank 445 of 620).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.01%
Rank 303 of 620
Net Interest Margin
3.10%
Rank 445 of 620
Efficiency Ratio
64.49%
Rank 246 of 620
Equity / Assets
10.19%
Rank 347 of 620
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 60% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.60% | 1.00% | 1.45% | Beats 51% | 303 / 620 | |
| Return on Equity | 9.95% | 5.30% | 9.30% | 13.29% | Beats 54% | 284 / 620 | |
| Net Interest Margin | 3.10% | 3.02% | 3.53% | 4.04% | Beats 28% | 445 / 620 | |
| Efficiency Ratio | 64.49% | 58.35% | 68.08% | 79.37% | Beats 60% | 246 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.47% | 1.27% | Beats 57% | 249 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 14.81% | 11.27% | 13.87% | 18.78% | Beats 57% | 265 / 620 | |
| Total Risk-Based Capital Ratio | 15.51% | 11.69% | 14.57% | 19.67% | Beats 57% | 267 / 620 | |
| Equity / Assets | 10.19% | 9.03% | 10.60% | 13.73% | Beats 44% | 347 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 65.08% | 79.69% | 92.47% | 61st pctl | 228 / 585 | |
| Loans / Assets | 75.96% | 51.85% | 67.17% | 77.86% | 70th pctl | 185 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |