River City Bank (RCBC)

River City Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	353.37	477.47	148.67	549.03	146.59	161.06
Investment Securities	795.27	527.8	609.8	593.66	530.89	622.89
Trading Asset Securities	84.28	59.28	128.73	112.36	134.61	3.22
Mortgage-Backed Securities	208.27	173.71	102.96	92.61	106.68	134.99
Total Investments	1,088	760.8	841.49	798.63	772.18	761.1
Gross Loans	4,678	4,618	4,265	3,678	3,239	2,737
Allowance for Loan Losses	-107.83	-103.8	-102.16	-96.05	-84.01	-65
Other Adjustments to Gross Loans	-69.39	-38.54	-96.46	-80.52	-111.19	-7.05
Net Loans	4,501	4,476	4,066	3,502	3,044	2,665
Property, Plant & Equipment	10.71	12.15	12.18	12.57	13.33	14.82
Accrued Interest Receivable	22.82	23.21	23.39	16.67	12.06	9.11
Long-Term Deferred Tax Assets	28.79	26.97	26.57	25.2	25.61	20.68
Other Long-Term Assets	38.1	10.45	10.25	13.4	12.73	9.99
Total Assets	6,043	5,802	5,144	4,932	4,041	3,657

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	3,963	3,489	2,815	2,659	2,293	2,470
Institutional Deposits	586.1	726.29	804.62	821.76	272.15	66.37
Non-Interest Bearing Deposits	825.27	932.8	834.97	839.64	877.13	789.99
Total Deposits	5,375	5,148	4,455	4,321	3,442	3,326
Current Portion of Long-Term Debt	-	25	50	50	100	8
Current Portion of Leases	-	0.56	-	-	-	-
Accrued Interest Payable	2.95	5.15	4.93	7.16	0.99	0.45
Other Current Liabilities	81.97	59.09	130.05	114.94	127.76	-
Long-Term Debt	-	-	-	-	-	2.18
Long-Term Leases	-	1	1.73	1.63	1.53	2.72
Other Long-Term Liabilities	15.04	14.26	17.56	19.89	15.73	8.98
Total Liabilities	5,475	5,253	4,659	4,514	3,688	3,348

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	15.87	28.34	33.28	37.28	40.06	37.75
Retained Earnings	549.63	513.52	447.57	376.35	318.11	272.24
Comprehensive Income & Other	2.37	6.63	3.89	4.1	-5.16	-1.63
Total Common Equity	567.88	548.49	484.74	417.73	353.01	308.36
Shareholders' Equity	567.88	548.49	484.74	417.73	353.01	308.36
Total Liabilities & Equity	6,043	5,802	5,144	4,932	4,041	3,657

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	-	26.57	51.73	51.63	101.53	12.91
Net Cash (Debt)	437.65	510.19	225.66	609.76	179.67	191.37
Net Cash Growth	93.94%	126.08%	-62.99%	239.38%	-6.12%	17.95%
Net Cash Per Share	30.24	34.98	15.34	40.92	12.11	12.97
Filing Date Shares Outstanding	13.99	14.27	14.4	14.53	14.63	14.53
Total Common Shares Outstanding	13.99	14.27	14.4	14.53	14.63	14.53
Book Value Per Share	40.58	38.43	33.65	28.75	24.13	21.23
Tangible Book Value	567.88	548.49	484.74	417.73	353.01	308.36
Tangible Book Value Per Share	40.58	38.43	33.65	28.75	24.13	21.23

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 7, 2026

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