Total Assets
$398M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
River City Bank — FDIC Bank Health Profile
Rome, Georgia · Est. 2006. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #58289 Atlanta Region
B
Health grade
Good
Score: 68/100
Basel III capital ratios — River City Bank
Total Deposits
$359M
Customer-funded liabilities
Net Loans
$299M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
12.94% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
12.94%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$36M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.57%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
18.44%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
61.38%
Income & Expense Breakdown
$23M
Interest Income
$4M
Non-Interest Income
$13M
Non-Interest Expense
FDIC Deposit Insurance
River City Bank is FDIC-insured (Certificate #58289). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About River City Bank
River City Bank is an FDIC-insured institution (Certificate #58289) headquartered in Rome, Georgia, established in 2006. The bank currently holds $398M in total assets and $359M in customer deposits, with $299M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, River City Bank reports a Tier 1 Capital Ratio of 12.94% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $36M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.57% and a Return on Equity of 18.44%, with an Efficiency Ratio of 61.38% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of B (68/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at River City Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Georgia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data River City Bank (FDIC Cert #58289) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris Bank Atlanta | $27.4B | B | 1.64% |
| RBC Bank, (Georgia) National Association Atlanta | $8.0B | A | 2.48% |
| Metro City Bank Doraville | $4.7B | A | 1.80% |
| Colony Bank Fitzgerald | $3.7B | C | 0.92% |
| Georgia Banking Company Atlanta | $2.7B | C | 0.99% |
| United Bank Zebulon | $2.3B | A | 2.66% |
| Pinnacle Bank Elberton | $2.3B | C | 1.29% |
| Queensborough National Bank & Trust Company Louisville | $2.2B | C | 1.05% |
Frequently Asked Questions
What is River City Bank's health grade? ▼
River City Bank receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is River City Bank? ▼
River City Bank holds $398M in total assets and $359M in deposits. It is headquartered in Rome, Georgia.
Is my money safe at River City Bank? ▼
Yes. River City Bank is FDIC-insured (Certificate #58289). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is River City Bank's Tier 1 Capital Ratio? ▼
River City Bank has a Tier 1 Capital Ratio of 12.94%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is River City Bank? ▼
River City Bank has an Efficiency Ratio of 61.38%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.