River City Bank is a bank based in Sacramento, California, established in 1963, with $6.0 billion in total assets across 9 branches. By Trust Grade it ranks 72nd of 117 banks we track in California. Its capital ratio of 9.3% trails most similarly sized banks (31th percentile), versus a California median of 11.7%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against River City Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How River City Bank compares to California peers
How we graded River City Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Strongly profitable (ROA 1.21%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for River City Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 2480 Natomas Park Dr, Sacramento, CA 95833
- 8923 Elk Grove Blvd, Elk Grove, CA 95624
- 239 E St, Davis, CA 95616
- 900 Howe Ave, Sacramento, CA 95825
- 348 Main St, Placerville, CA 95667
- 5650 Sunrise Blvd, Citrus Heights, CA 95610
- 199 Main St, Woodland, CA 95695
- 4033 Cavitt Stallman Rd, Roseville, CA 95746
- 775 Baywood Dr, Petaluma, CA 94954
Are deposits at River City Bank insured?
Yes. River City Bank is an FDIC-insured bank (FDIC certificate #18983). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
River City Bank: frequently asked questions
Is River City Bank a good bank?
River City Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Strongly profitable (ROA 1.21%).
Is River City Bank FDIC-insured?
Yes. River City Bank is a FDIC-insured bank (FDIC certificate #18983). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is River City Bank?
River City Bank holds $6.0 billion in total assets, ranking 72nd of 117 banks we track in California. It operates 9 branches.
Does River City Bank have CFPB complaints?
No CFPB complaints against River City Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
