River City Bank
Rome, GA · Cert 58289 · Peer group: banks under $1B in assets (n=581-629) · RCB Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$423.4MAssets
$332.6MLoans
$380.9MDeposits
$39.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 71% of banks under $1B in assets (rank 445 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.67%
Rank 118 of 629
Net Interest Margin
4.44%
Rank 75 of 629
Efficiency Ratio
56.69%
Rank 139 of 629
Equity / Assets
9.34%
Rank 445 of 629
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 78% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.60% | 1.01% | 1.45% | Beats 81% | 118 / 629 | |
| Return on Equity | 17.89% | 5.38% | 9.30% | 13.28% | Beats 90% | 61 / 629 | |
| Net Interest Margin | 4.44% | 3.03% | 3.54% | 4.05% | Beats 88% | 75 / 629 | |
| Efficiency Ratio | 56.69% | 58.35% | 67.79% | 79.08% | Beats 78% | 139 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 54% | 271 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.35% | 11.24% | 13.84% | 18.77% | Beats 46% | 337 / 629 | |
| Total Risk-Based Capital Ratio | 14.60% | 11.58% | 14.43% | 19.66% | Beats 51% | 308 / 629 | |
| Equity / Assets | 9.34% | 9.09% | 10.65% | 13.80% | Beats 29% | 445 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 87.31% | 67.24% | 80.90% | 93.48% | 63rd pctl | 219 / 594 | |
| Loans / Assets | 78.54% | 53.31% | 67.71% | 78.15% | 76th pctl | 150 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |