River City Bank (RCBC)
Commercial bank for western real estate, clean energy and public-sector clients.
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Earns a lending spread by funding loans and securities with customer deposits, alongside cash-management, payment and lending services. Commercial real estate dominates the loan book, and specialized clean-energy and public-sector divisions complement the core commercial-bank model.
Operates a Sacramento-headquartered commercial bank that funds loans and securities with customer deposits, earning interest and loan fees while providing commercial treasury, cash-management and lending services. Lending includes commercial real estate, commercial and industrial credit, construction, residential mortgages, agriculture and consumer loans; commercial real estate is by far the largest exposure.
Extends its lending reach across the western United States from a Sacramento-area branch network and a San Francisco office. Its Clean Energy and Public Sector Banking divisions provide credit, cash-management and lockbox services to Community Choice Aggregation agencies, renewable projects and government entities. High-touch relationship management, locally made credit decisions and direct access to senior staff underpin the model. California state banking oversight and FDIC insurance frame its operations.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $353.4M · Total debt $0 · Total assets $6.04B · Shareholders' equity $567.9M
- Revenue
- $78.6M
- Operating income
- $27.1M
- Net income
- $19.6M
HistoryDividendAnnual yield
No ownership filings on record for this listing.
- Five Star Bancorp
Direct Sacramento business-bank and CRE lending rival.
- JPMorgan Chase
Scale rival in CRE, commercial deposits, and payments.
- Wells Fargo
California CRE and broad commercial-banking rival.
- Bank of America
Large California CRE, deposits, and treasury rival.
- U.S. Bancorp
Western CRE, government banking, and treasury rival.
- Banc of California
California business-banking and CRE lending rival.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| River City Bank | $52.04 | −1.09% | $757.8M | 9.7 | — | 2.4 | — |
| Five Star Bancorp | $44.25 | −0.23% | $1.07B | 13.1 | 12.7 | 3.8 | +25.1% |
| JPMorgan Chase | $337.64 | −4.09% | $943.29B | 15.2 | 14.0 | 3.2 | +27.8% |
| Wells Fargo | $82.93 | −4.18% | $261.71B | 12.5 | 11.1 | 2.0 | +8.6% |
| Bank of America | $56.23 | −2.98% | $411.32B | 13.4 | 11.5 | 2.1 | +19.3% |
| U.S. Bancorp | $59.08 | −2.26% | $94.15B | 12.1 | 10.9 | 2.2 | +10.6% |
| Banc of California | $18.19 | −0.57% | $2.81B | — | 9.5 | 1.6 | +4.7% |
| Median | 13.1 | 11.3 | 2.1 | +14.9% |