River Valley Community Bank is a state-chartered bank headquartered in Yuba City, California, in business for about 20 years. At the end of Q2 2026 it reported $793.1M in total assets and $704.9M in deposits, with 5 offices.
Based on its Q2 2026 filing, River Valley Community Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 77th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (37/100; 8.73%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (72 → 65), mostly because the capital cushion component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 69 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.75% |
| Q3 2024 | 9.75% |
| Q4 2024 | 10.41% |
| Q1 2025 | 10.22% |
| Q2 2025 | 10.48% |
| Q3 2025 | 10.43% |
| Q4 2025 | 9.17% |
| Q1 2026 | 8.89% |
| Q2 2026 | 8.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $793.1M | 8.73% | 0.00% | 0.67% | 56.8% |
| Q1 2026 | 65 | $764.2M | 8.89% | 0.02% | 0.63% | 58.6% |
| Q4 2025 | 66 | $760.2M | 9.17% | 0.08% | 0.72% | 59.0% |
| Q3 2025 | 72 | $679.4M | 10.43% | 0.00% | 0.76% | 59.8% |
| Q2 2025 | 72 | $608.9M | 10.48% | 0.00% | 0.78% | 64.8% |
| Q1 2025 | 72 | $635.2M | 10.22% | 0.00% | 0.82% | 59.9% |
| Q4 2024 | 72 | $602.6M | 10.41% | 0.00% | 0.77% | 63.1% |
| Q3 2024 | 69 | $594.7M | 9.75% | 0.00% | 0.74% | 59.2% |
| Q2 2024 | 70 | $612.7M | 9.75% | 0.00% | 0.71% | 56.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mission Valley BankBank Sun Valley, CA | 54 out of 100, Below average | $782.0M | 11.0% | 1.94% | vs |
| Endeavor BankBank San Diego, CA | 69 out of 100, Moderate | $822.7M | 11.8% | 0.45% | vs |
| BAC Community BankBank Stockton, CA | 75 out of 100, Strong | $761.9M | 11.4% | 0.18% | vs |
| First Commercial Bank (USA)Bank Alhambra, CA | 71 out of 100, Strong | $849.9M | 23.3% | 1.05% | vs |
| Bank of San FranciscoBank San Francisco, CA | 68 out of 100, Moderate | $863.6M | 10.9% | 0.09% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
Deposit insurance
Is my money safe at River Valley Community Bank?
Yes. River Valley Community Bank is an FDIC-insured institution (FDIC certificate #58276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 49.2% of deposits ($346.7M) 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 8.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.90% (benchmark: 10%).
5 locations
Branches
River Valley Community Bank lists 5 offices in 5 cities. Most locations:
- Auburn, CA (1)
- Grass Valley, CA (1)
- Marysville, CA (1)
- Roseville, CA (1)
- Yuba City, CA (1)
Identity & history
Profile
- Legal name
- River Valley Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58276
- RSSD ID
- 3451050
- Primary regulator
- FDIC
- Holding company
- River Valley Community Bcorp
- Established
- June 26, 2006
- Headquarters
- 1629 Colusa Hwy, Yuba City, CA 95993
- Website
- www.myrvcb.com
- Employees
- 85
Quick answers
River Valley Community Bank: common questions
Is River Valley Community Bank FDIC insured?
Yes. River Valley Community Bank is an FDIC-insured institution (FDIC certificate #58276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is River Valley Community Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has River Valley Community Bank ever failed?
There is no failure record for FDIC certificate #58276 in the FDIC failed bank list.
How many branches does River Valley Community Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Yuba City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
| First Northern Bank of DixonBank Dixon, CA | 74 out of 100, Strong | $1.9B | 12.0% | 0.41% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Self-Help Federal Credit UnionCredit union Durham, NC | 73 out of 100, Strong | $2.4B | 25.2% | 1.01% | vs |
| Safe Credit UnionCredit union Folsom, CA | 71 out of 100, Strong | $4.4B | 10.8% | 0.52% | vs |