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.

From Q2 2025 to Q2 2026, the score rose 4 points (70 → 74), mostly because the earnings component improved by 19 points.

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 Kentucky

Yes. River City Bank, Inc. is an FDIC-insured institution (FDIC certificate #26703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.9% of deposits ($96.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.51% (benchmark: 10%).

Check how much of your own balance is covered

River City Bank, Inc. lists 7 offices in 3 cities across 2 states. Most locations:

• Louisville, KY (5)
• Jeffersontown, KY (1)
• Jeffersonville, IN (1)

All branch addresses and map

In 2025, River City Bank, Inc. reported 363 home-loan applications under HMDA (LEI 5493002UNUIL8WHZAD63): 257 originated ($60,555,000 total), 43 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, 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, Inc.

Type

State-chartered bank

FDIC certificate #

26703

RSSD ID

396244

Primary regulator

FDIC

Holding company

First Breckinridge Bancshares

Established

June 26, 1986

Headquarters

500 S 6th St, Louisville, KY 40202

Website

www.rivercitybankky.com

Employees

70