River City Bank, Inc.
Louisville, KY · Cert 26703 · Peer group: banks under $1B in assets (n=581-629) · 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 158 of 581).
- Widest gap: net interest margin trails 72% of banks under $1B in assets (rank 455 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.01%
Rank 313 of 629
Net Interest Margin
3.10%
Rank 455 of 629
Efficiency Ratio
64.49%
Rank 255 of 629
Equity / Assets
10.19%
Rank 362 of 629
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% | 1.01% | 1.45% | Beats 50% | 313 / 629 | |
| Return on Equity | 9.95% | 5.38% | 9.30% | 13.28% | Beats 53% | 293 / 629 | |
| Net Interest Margin | 3.10% | 3.03% | 3.54% | 4.05% | Beats 28% | 455 / 629 | |
| Efficiency Ratio | 64.49% | 58.35% | 67.79% | 79.08% | Beats 60% | 255 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.46% | 1.20% | Beats 55% | 262 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.81% | 11.24% | 13.84% | 18.77% | Beats 58% | 263 / 629 | |
| Total Risk-Based Capital Ratio | 15.51% | 11.58% | 14.43% | 19.66% | Beats 58% | 267 / 629 | |
| Equity / Assets | 10.19% | 9.09% | 10.65% | 13.80% | Beats 42% | 362 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 67.24% | 80.90% | 93.48% | 60th pctl | 238 / 594 | |
| Loans / Assets | 75.96% | 53.31% | 67.71% | 78.15% | 69th pctl | 195 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |