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 (76 → 77).

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 Georgia

Yes. River City Bank is an FDIC-insured institution (FDIC certificate #58289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.7% of deposits ($105.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.60% (benchmark: 10%).

Check how much of your own balance is covered

River City Bank lists 4 offices in 4 cities. Most locations:

• Blairsville, GA (1)
• Calhoun, GA (1)
• Cartersville, GA (1)
• Rome, GA (1)

All branch addresses and map

In 2025, River City Bank reported 81 home-loan applications under HMDA (LEI 549300TQIZ85N2EIS783): 64 originated ($17,540,000 total), 3 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.1%, 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

Type

State-chartered bank

FDIC certificate #

58289

RSSD ID

3445901

Primary regulator

FDIC

Holding company

Rcb Financial Corp

Established

May 23, 2006

Headquarters

228 N 2nd Ave Sw, Rome, GA 30165

Website

www.rivercity.bank

Employees

62