Yuba City, CA · Cert 58276 · River Valley Community Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Yuba City, CA · 2026 SOD (annual) · 14.1% share · #3 of 12 inst. · $0.5B of $3.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.76% | 0.72% | 0.63% | 0.67% | -12 bps | |
| Return on Equity | 9.08% | 8.83% | 8.61% | 8.06% | 8.60% | -48 bps | |
| Net Interest Margin | 3.13% | 3.12% | 2.76% | 2.97% | 2.92% | -21 bps | |
| Efficiency Ratio | 65.44% | 66.74% | 67.51% | 70.77% | 69.45% | +401 bps | |
| Non-Interest Burden | 2.00% | 2.03% | 1.82% | 2.07% | 1.99% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.62% | 14.25% | 26.16% | 20.31% | 30.25% | +3,086 bps | |
| Loan Growth (YoY) | 21.03% | 15.71% | 13.61% | 13.31% | 12.28% | -875 bps | |
| Deposit Growth (YoY) | 5.42% | 14.68% | 21.48% | 15.89% | 28.20% | +2,278 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.08% | 0.02% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.27% | 1.23% | 1.21% | 1.24% | 1.23% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 16.1x | 57.3x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.48% | 10.43% | 9.17% | 8.89% | 8.73% | -175 bps | |
| Total Risk-Based Capital | 15.30% | 14.88% | 14.74% | 14.81% | 14.90% | -40 bps | |
| Equity / Assets | 9.08% | 8.45% | 7.79% | 7.84% | 7.65% | -143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.65% | 60.56% | 59.75% | 59.36% | 57.50% | -815 bps | |
| Liquid Assets / Assets | 3.39% | 5.52% | 9.59% | 8.51% | 7.80% | +441 bps | |
| CRE / Total Capital | n/a | 471% | 495% | 481% | n/a | n/a | |