FDIC Cert #58289 · Rome, Georgia · Est. 2006

River City Bank - FDIC Bank Health Profile

A community-scale look at River City Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$398M
Total assets
A
Health grade · Excellent
1.57%
Return on assets
12.9%
Tier 1 capital

Data updated July 2026

The verdict

River City Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.94% Tier 1, profitable at 1.57% ROA, 61% efficiency ratio.

#2,086
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
12.94%
Tier 1 ratio - above the 10% well-capitalized line
77th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58289 · GA A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #982/4307
  • PHOTO-FINISH Eagle Bank · MT
  • TIER1-WELL 12.9% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 1.57% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Eagle Bank, MT (±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

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Pl… · MO ·…88/100Eagle Bank · MT · near88/100Mountain Pacific Bank · WA ·…88/100River City Bank · GA · this …88/100Sallie Mae Bank · UT · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around River City Bank · July 2026

Call Report read for River City Bank in a high-failure state

River City Bank (FDIC Cert #58289) carries a PlainBankData health grade of A at 88/100, 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 #982 of 4,307. Tier 1 capital prints at 12.94%, clearing the 10% well-capitalized line. The Texas Ratio is 0.24%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.57%. Balance-sheet scale is $398M, 2,086th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eagle Bank (MT), 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

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

River City Bank sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about River City Bank's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How River City Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
River City Bank's composite health score
Tier 1 Capital Ratio (12.94%) 35/40
Return on Assets (ROA) (1.57%) 25/25
Texas Ratio (0.24%) 20/20
Efficiency Ratio (61.38%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$398M

Total balance-sheet footings

Total Deposits

$359M

Customer-funded liabilities

Net Loans

$299M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.54% 12.94% 14.34%
Basel III capital ratios - River City Bank

Where River City Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. River City Bank's score of 88/100 falls in the highlighted band.

River City Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 23% higher than 77% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. River City Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

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'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's $398M falls in the highlighted band.

Capital & credit buffers at River City Bank

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
12.94%
Texas Ratio
0.24%
Equity Capital
$36M

What these ratios mean →

Earnings posture at River City Bank

Return on Assets (ROA)
77th percentile nationally
1.57%
Return on Equity (ROE)
18.44%
Efficiency Ratio
61.38%

What these mean →

Income & expense at River City Bank

$23M
Interest Income
$4M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. River City Bank reports a Texas Ratio of 0.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View River City Bank on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($398M here), outside Georgia so the neighborhood is not state containment.

First Lockhart Bank $398M · TX Alliance Bank $399M · MO Winnsboro State Bank & Trust Company $397M · LA First State Bank Southwest $397M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) River City Bank (FDIC Cert #58289) - 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 Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%