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River Valley Community Bank
Yuba City, CA · FDIC Certificate #58276 · Chartered 06/2
Total assets
$793.11M
Total deposits
$704.92M
Total equity
$60.65M
Net loans
$400.34M
Branches (offices)
5
Net income (YTD)
$2.58M
Rank: #1,264 of 4,213 U.S. banks by assets · #69 of 115 in California. Assets changed 30.2% and deposits 28.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 8.60% |
| Net interest margin (YTD) | 3.20% |
| Equity to assets | 7.65% |
| Tier 1 leverage ratio | 8.73% |
| Uninsured deposits (share of deposits) | 49.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 56.8% |
| Real estate loans (share of loans) | 91.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $365.54M | 91.3% | |
| Commercial & industrial | $30.89M | 7.7% | |
| Consumer / individual | $7.61M | 1.9% | |
| Construction & development | $14.14M | 3.5% | |
| Agricultural | $1.30M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $581.66M | $542.61M | $2.74M | $36.52M |
| Jun 2023 | $579.56M | $535.07M | $3.48M | $39.88M |
| Jun 2024 | $612.71M | $521.57M | $2.13M | $46.98M |
| Jun 2025 | $608.93M | $549.85M | $2.41M | $55.28M |
| Jun 2026 | $793.11M | $704.92M | $2.58M | $60.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $704.92M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $704.92M.
Similar-sized banks
Farmers Bank And Trust Company ($793.95M) · First Western Bank ($792.66M)
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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