River City Bank (RCBC)

River City Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	244.39	239.65	222.29	180.02	110.21	96.94
Interest Income on Investments	43.28	43.28	56.85	33.95	10.23	5.88
Total Interest Income	287.67	282.93	279.14	213.97	120.44	102.82
Interest Paid on Deposits	140.83	138.72	137.13	85.57	19.08	6.92
Interest Paid on Borrowings	1.71	1.71	5.32	7.53	-0.35	5.67
Total Interest Expense	142.54	140.43	142.45	93.1	18.72	12.6
Net Interest Income	145.13	142.5	136.69	120.86	101.72	90.22
Net Interest Income Growth (YoY)	6.18%	4.26%	13.09%	18.82%	12.74%	12.54%
Gain (Loss) on Sale of Investments	0.04	0.04	1.21	-	3.02	3.44
Other Non-Interest Income	6.11	-1.8	12.54	12.03	12.84	8.65
Total Non-Interest Income	6.97	-0.95	14.6	12.88	16.84	13.08
Non-Interest Income Growth (YoY)	-52.29%	-	13.38%	-23.54%	28.71%	130.36%
Revenues Before Loan Losses	152.1	141.56	151.29	133.74	118.56	103.3
Provision for Loan Losses	3.62	1.99	7.54	12.59	18.41	10.5
Revenue	148.48	139.57	143.75	121.15	100.15	92.8
Revenue Growth (YoY)	3.29%	-2.90%	18.65%	20.97%	7.92%	26.35%
Salaries and Employee Benefits	27.5	26.67	24.28	20.92	17.69	15.75
Occupancy Expenses	2.52	2.48	2.28	2.35	4.27	3.73
Federal Deposit Insurance	2.48	2.45	2.66	2	1.08	1.13
Selling, General & Administrative	6.07	6.02	5.43	4.97	5.42	5.08
Other Non-Interest Expense	7.34	6.85	5.45	5.65	4.57	4.18
Total Non-Interest Expense	45.91	44.48	40.09	35.9	33.03	29.87
EBT Excluding Unusual Items	102.56	95.09	103.66	85.26	67.12	62.94
Pretax Income	102.56	95.09	103.66	85.26	67.12	62.94
Income Tax Expense	28.51	26.68	30.26	24.92	19.3	18.46
Net Income	74.06	68.42	73.4	60.34	47.82	44.48
Net Income to Common	74.06	68.42	73.4	60.34	47.82	44.48
Net Income Growth	0.89%	-6.79%	21.65%	26.17%	7.53%	40.62%
Basic Shares Outstanding	14	15	15	15	15	15
Diluted Shares Outstanding	14	15	15	15	15	15
Shares Change (YoY)	-2.98%	-0.86%	-1.27%	0.40%	0.57%	0.69%
EPS (Basic)	5.19	4.69	4.99	4.05	3.22	3.01
EPS (Diluted)	5.19	4.69	4.99	4.05	3.22	3.01
EPS Growth	3.99%	-5.98%	23.23%	25.67%	6.90%	39.67%
Dividend Per Share	-	0.170	0.151	0.142	0.134	-
Dividend Growth	-	12.58%	6.34%	5.97%	-	-
Effective Tax Rate	27.80%	28.05%	29.19%	29.23%	28.75%	29.33%

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.