River City Bank

BankRome, Georgia
www.rivercity.bank

Total Assets

$398.0M

Total Deposits

$358.7M

Branches

2

Established

2006

TFS Health Grade

$
C+

79.3 / 100

Average financial health

How we grade

River City Bank is a bank headquartered in Rome, Georgia, established in 2006. With $398.0M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C+ (79.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.63%(8%)
Total Capital Ratio
14.19%(10%)
Non-Performing Loan Ratio
0.03%

Profitability

Return on Assets (ROA)
1.57%(1%)
Return on Equity (ROE)
18.44%(10%)
Net Interest Margin
4.63%
Efficiency Ratio
61.38%(60%)

Lending & Liquidity

Total Loans
$302.6M
Loan-to-Deposit Ratio
83.25%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+11.80%
Deposit Growth (YoY)
+10.64%
Net Income
$6.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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