Total Assets
$494M
Total balance-sheet footings
FDIC Cert #26703 · Louisville, Kentucky · Est. 1986
River City Bank, Inc. - FDIC Bank Health Profile
A community-scale look at River City Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $494M
- Total assets
- B
- Health grade · Good
- 0.82%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
River City Bank, Inc. earns a PlainBankData health grade of B (77/100), with well-capitalized at 14.40% Tier 1, 0.82% ROA, 67% efficiency ratio.
- #1,801
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 14.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 26703 · KY B · 77/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-B B (77/100)
- MID-PACK #2341/4307
- PHOTO-FINISH OneLocal Bank · MA
- TIER1-WELL 14.4% Tier 1
- TEXAS-CLEAN 0.0% Texas
- ROA-PAR 0.82% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: OneLocal Bank, MA (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around River City Bank, Inc.
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What River City Bank, Inc.'s Call Report plate shows
River City Bank, Inc. (FDIC Cert #26703) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,341 of 4,307. Tier 1 capital prints at 14.40%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $494M, 1,801st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is OneLocal Bank (MA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around River City Bank, Inc.
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
River City Bank, Inc.'s home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; River City Bank, Inc. remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
How River City Bank, Inc.'s 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (14.40%) 35/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (67.19%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$439M
Customer-funded liabilities
Net Loans
$365M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where River City Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. River City Bank, Inc.'s score of 77/100 falls in the highlighted band.
River City Bank, Inc.: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
77 46th percentile higher than 46% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
River City Bank, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). River City Bank, Inc.'s $494M falls in the highlighted band.
Safety ratios for River City Bank, Inc.
Tier 1 capital ratio
Well-capitalized 10%
14.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.40%
Texas Ratio
0.00%
Equity Capital
$48M
Profitability metrics: River City Bank, Inc.
Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
9.35%
Efficiency Ratio
67.19%
Income & expense at River City Bank, Inc.
$30M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. River City Bank, Inc. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($494M here), outside Kentucky so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) River City Bank, Inc. (FDIC Cert #26703) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
River City Bank, Inc. Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |