The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in California

Yes. River City Bank is an FDIC-insured institution (FDIC certificate #18983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.1% of deposits ($2.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.22%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.44% (benchmark: 10%).

Check how much of your own balance is covered

River City Bank lists 8 offices in 7 cities. Most locations:

• Sacramento, CA (2)
• Citrus Heights, CA (1)
• Davis, CA (1)
• Elk Grove, CA (1)
• Placerville, CA (1)
• Roseville, CA (1)
• Woodland, CA (1)

All branch addresses and map

In 2025, River City Bank reported 62 home-loan applications under HMDA (LEI 549300TGUS6Y1N77GV58): 48 originated ($134,560,000 total), 9 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

River City Bank

Former names

First Security Bank of Elk Grove

Type

State-chartered bank

FDIC certificate #

18983

RSSD ID

253468

Primary regulator

FDIC

Established

December 16, 1963

Headquarters

2480 Natomas Park Dr, Sacramento, CA 95833

Website

www.rivercitybank.com

Employees

156