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River City Bank
Rome, GA · FDIC Certificate #58289 · Chartered 05/2
Total assets
$423.44M
Total deposits
$380.92M
Total equity
$39.53M
Net loans
$328.23M
Branches (offices)
2
Net income (YTD)
$3.54M
Rank: #1,983 of 4,213 U.S. banks by assets · #46 of 123 in Georgia. Assets changed 15.3% and deposits 14.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 18.71% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 9.34% |
| Tier 1 leverage ratio | 10.15% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $291.96M | 89.0% | |
| Commercial & industrial | $33.66M | 10.3% | |
| Consumer / individual | $5.92M | 1.8% | |
| Construction & development | $46.61M | 14.2% | |
| Agricultural | $82.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $248.63M | $226.61M | $1.17M | $20.65M |
| Jun 2023 | $262.39M | $237.03M | $1.15M | $22.52M |
| Jun 2024 | $335.95M | $305.31M | $1.72M | $25.81M |
| Jun 2025 | $367.35M | $331.93M | $3.08M | $32.37M |
| Jun 2026 | $423.44M | $380.92M | $3.54M | $39.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $380.92M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $380.92M.
Similar-sized banks
Heritage Bank Of The Ozarks ($423.97M) · Astra Bank ($423.29M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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