🏦Bank Scorer

RIVER CITY BANK

SACRAMENTO, CA · Supervised by FDIC

Est. 1963FDIC #18,983RSSD: FDIC-18983
Satisfactory Same

Current rating · Exam: April 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.21%

Institution Profile

FDIC BankFind

Address

2480 Natomas Park Dr, SACRAMENTO, CA

County

Sacramento County

Established

December 16, 1963

Total Assets

$6.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.0B

Total Deposits

$5.4B

Net Loans

$4.5B

Net Income

$18M

ROA

1.21%

Above avg for Community banks. Peer avg: 0.90%

ROE

12.91%

Risk-Based Capital

14.41%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.21%Peer avg: 0.90%▲ Above avg
Risk-Based Capital14.41%Peer avg: 12.91%▲ Above avg
Mortgage Denial Rate7.56%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$4.5B

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202311982.35%7.56%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Apr 2023SatisfactoryLarge Bank
Mar 2020SatisfactoryLarge Bank
Jun 2017SatisfactoryLarge Bank

10 previous ratings locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/63fa1bfb-57db-4a35-90d1-64e1a1e73bc9"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: