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

River Valley Community Bank

Yuba City, California · $793M in assets · beside the 11 other California banks between $300M and $1B

The filing

57.5%
Loans / deposits
1st of 12
7.6%
Equity / assets
11th of 12
0.00%
NPA / loans
2nd of 12

River Valley Community Bank is the seventh largest of the 12 California banks nearest its size between $300M and $1B, with $793M in assets at 30 June 2026. Loans are 57.5% of deposits, the lowest in the cohort against a median of 91.1%, and equity is 7.6% of assets, 11th of 12. Loans grew +12.3% in the year, 2nd of 12, and deposits grew 28.2%; the cohort's median loan growth is +5.2%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is 1.2% of loans, 10th of 12. Commercial real estate is 50.8% of loans, 6th of 12 against a median of 50.9%, and 274% of capital, below the 300% screen, with construction at 19% against the 100% screen.

Return on assets is 0.64%, 10th of 12 against a median of 0.92%, on an efficiency ratio of 69.4%, 8th of 11. Five years ago it was 1.07%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 91.1% RV River Valley Community Bank 57.5% BC Bac Community Bank 68.2% NB Nano Banc 69.8% PB Pinnacle Bank 71.1% CN C3bank National Association 72.0% GI GBC International Bank 90.5% EB Endeavor Bank 91.7% Bo Bank of San Francisco 93.9% PV Pacific Valley Bank 95.9% MV Mission Valley Bank 102.5% AP American Plus Bank N A 107.5% FC First Commercial Bank USA 113.2%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% PV Pacific Valley Bank +9.6% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% GI GBC International Bank +2.4% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% NB Nano Banc -21.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
River Valley Community BankRankCohort median
Total CRE against capital, the 300% screen274%7th of 12271%
Construction against capital, the 100% screen19%7th of 1218%
Construction and land development, share of loans3.5%6th of 123.5%
Non-owner-occupied nonfarm nonresidential, share of loans38.5%7th of 1238.1%
Total CRE, the guidance definition, share of loans50.8%6th of 1250.9%
CRE growth over 36 months, the third prong+46.9%10th of 12+16.9%
Commercial real estate against capital, the 300% screenCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 271% FC First Commercial Bank USA 163% EB Endeavor Bank 182% MV Mission Valley Bank 225% PB Pinnacle Bank 228% Bo Bank of San Francisco 235% GI GBC International Bank 269% RV River Valley Community Bank 274% BC Bac Community Bank 276% PV Pacific Valley Bank 356% CN C3bank National Association 361% AP American Plus Bank N A 455% NB Nano Banc 529%
CRE growth over 36 months, the guidance's third prongCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +16.9% NB Nano Banc -26.0% CN C3bank National Association -5.1% GI GBC International Bank -3.1% BC Bac Community Bank +0.6% FC First Commercial Bank USA +0.7% PB Pinnacle Bank +12.8% MV Mission Valley Bank +21.0% PV Pacific Valley Bank +21.1% EB Endeavor Bank +45.3% RV River Valley Community Bank +46.9% AP American Plus Bank N A +51.0% Bo Bank of San Francisco +80.7%

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
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
GBC International Bank$658M1.1%62.2%0.26%0.03%1.1%90.5%16.2%
Pacific Valley Bank$653M0.9%67.8%0.24%-0.02%1.5%95.9%12.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
River Valley Community BankCohort median
20212026Change20212026Change
Loans$257M$405M+57%$468M$589M+26%
Deposits$451M$705M+56%$557M$695M+25%
NPA / loans0.09%0.00%-0.09 pts0.08%0.25%+0.17 pts
Efficiency55.6%69.4%+13.9 pts59.0%64.1%+5.1 pts
ROA1.07%0.64%-0.42 pts1.06%0.92%-0.14 pts

This read was prepared for River Valley Community 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 Valley Community 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 $300M to $1B
Institution www.myrvcb.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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