River Valley Community Bank
Yuba City, CA · Cert 58276 · Peer group: banks under $1B in assets (n=581-629) · River Valley Community Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
$793.1MAssets
$405.3MLoans
$704.9MDeposits
$60.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 572 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.65%
Rank 459 of 629
Net Interest Margin
2.92%
Rank 496 of 629
Efficiency Ratio
69.45%
Rank 341 of 629
Equity / Assets
7.65%
Rank 572 of 629
Non-interest income vs. expense
Unfavorable gap of $15.9M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.60% | 1.01% | 1.45% | Beats 27% | 459 / 629 | | |
| Return on Equity | 8.49% | 5.38% | 9.30% | 13.28% | Beats 44% | 353 / 629 | | |
| Net Interest Margin | 2.92% | 3.03% | 3.54% | 4.05% | Beats 21% | 496 / 629 | | |
| Efficiency Ratio | 69.45% | 58.35% | 67.79% | 79.08% | Beats 46% | 341 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 41% | 345 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.82% | 11.24% | 13.84% | 18.77% | Beats 49% | 318 / 629 | | |
| Total Risk-Based Capital Ratio | 14.90% | 11.58% | 14.43% | 19.66% | Beats 53% | 296 / 629 | | |
| Equity / Assets | 7.65% | 9.09% | 10.65% | 13.80% | Beats 9% | 572 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.50% | 67.24% | 80.90% | 93.48% | 16th pctl | 499 / 594 | | |
| Loans / Assets | 51.11% | 53.31% | 67.71% | 78.15% | 22nd pctl | 491 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |