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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

River City Bank

Sacramento, California · $6.04B in assets · beside the 11 other California banks between $3B and $10B

The filing

0.00%
NPA / loans
1st of 12
87.3%
CRE / loans
12th of 12
649.4%
CRE / capital
11th of 11

River City Bank is the fourth largest of the 12 California banks nearest its size between $3B and $10B, with $6.04B in assets at 30 June 2026. Loans are 85.7% of deposits, 7th of 12 against a median of 82.5%, and equity is 9.4% of assets, 10th of 11. Loans grew +7.3% in the year, 6th of 12, and deposits grew 18.9%; the cohort's median loan growth is +5.7%.

Nothing on the book is noncurrent; 0.03% is 30 to 89 days past due, and the allowance is 2.3% of loans, 2nd of 11. Commercial real estate is 87.3% of loans, the highest in the cohort against a median of 40.3%, and 649% of capital, above the 300% screen, with construction at 7% against the 100% screen.

Return on assets is 1.22%, 7th of 11 against a median of 1.45%, on an efficiency ratio of 30.6%, 2nd of 11. Five years ago it was 1.35%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 3.5% of loans).

Commercial real estate, share of loansCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 40.3% MT Mizrahi Tefahot Bank LTD 0.6% FB Fremont Bank 24.7% AB American Business Bank 29.5% FM Farmers & Merchants Bank Central California 32.2% Bo Bank of Stockton 36.9% CB CTBC Bank Corp. USA 38.5% SM SMBC Manubank 42.1% CW Community West Bank 48.3% WB Westamerica Bank 50.7% PB Preferred Bank 57.4% FS Five Star Bank 69.4% RC River City Bank 87.3%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.7% MT Mizrahi Tefahot Bank LTD +56.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% PB Preferred Bank +9.3% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
River City BankRankCohort median
Total CRE against capital, the 300% screen649%11th of 11214%
Construction against capital, the 100% screen7%3rd of 1119%
Construction and land development, share of loans0.9%4th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans51.3%11th of 1129.3%
Total CRE, the guidance definition, share of loans87.3%12th of 1240.3%
CRE growth over 36 months, the third prong+45.5%11th of 12+13.3%
Commercial real estate against capital, the 300% screenCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 214% WB Westamerica Bank 55% Bo Bank of Stockton 89% SM SMBC Manubank 155% FM Farmers & Merchants Bank Central California 164% AB American Business Bank 176% CB CTBC Bank Corp. USA 214% FB Fremont Bank 217% CW Community West Bank 299% PB Preferred Bank 357% FS Five Star Bank 536% RC River City Bank 649%
CRE growth over 36 months, the guidance's third prongCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +13.3% MT Mizrahi Tefahot Bank LTD -45.3% CB CTBC Bank Corp. USA -7.3% WB Westamerica Bank -3.5% SM SMBC Manubank +0.5% FB Fremont Bank +5.3% AB American Business Bank +12.9% FM Farmers & Merchants Bank Central California +13.6% Bo Bank of Stockton +22.3% PB Preferred Bank +27.0% FS Five Star Bank +44.8% RC River City Bank +45.5% CW Community West Bank +170.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
River City BankCohort median
20212026Change20212026Change
Loans$2.46B$4.61B+87%$2.10B$3.76B+79%
Deposits$3.04B$5.37B+77%$3.42B$4.92B+44%
NPA / loans0.00%0.00%+0.00 pts0.16%0.30%+0.14 pts
Efficiency28.8%30.6%+1.8 pts53.6%44.3%-9.2 pts
ROA1.35%1.22%-0.12 pts1.39%1.45%+0.06 pts

This read was prepared for River City Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on River City Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.rivercitybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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