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River City Bank, Inc.
Louisville, KY · FDIC Certificate #26703 · Chartered 06/2
Total assets
$494.86M
Total deposits
$438.27M
Total equity
$50.43M
Net loans
$373.34M
Branches (offices)
7
Net income (YTD)
$2.51M
Rank: #1,798 of 4,213 U.S. banks by assets · #39 of 120 in Kentucky. Assets changed -2.1% and deposits -0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 10.26% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 10.19% |
| Tier 1 leverage ratio | 11.72% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 96.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $359.22M | 96.2% | |
| Commercial & industrial | $14.93M | 4.0% | |
| Consumer / individual | $984.00K | 0.3% | |
| Construction & development | $100.75M | 27.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $392.40M | $332.27M | $2.99M | $39.87M |
| Jun 2023 | $422.27M | $365.60M | $578.00K | $38.93M |
| Jun 2024 | $474.28M | $402.64M | $410.00K | $38.70M |
| Jun 2025 | $505.44M | $439.82M | $1.35M | $43.13M |
| Jun 2026 | $494.86M | $438.27M | $2.51M | $50.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $426.87M | 6 |
| Indiana | $11.40M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $438.27M.
Similar-sized banks
People'S Bank Of Seneca ($495.51M) · Trubank ($494.59M)
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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