River Valley Community Bank
- Company typePublic
- Founded2006
- HeadquartersYuba City, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
River Valley Community Bank firmographics
Firmographics- Name
- River Valley Community Bank
- Legal name
- River Valley Community Bank
- Website
- https://myrvcb.com
- Company type
- Public
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where River Valley Community Bank is headquartered
LocationHeadquarters
- HQ city
- Yuba City
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
River Valley Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net Interest Income: Primary revenue source from interest earned on loan portfolio including commercial loans, agricultural loans, real estate loans, and consumer loans. Interest income from loan portfolio represents the dominant revenue stream for this community bank.
- Deposit Services Fees: Fees from deposit account services including maintenance fees (waived with minimum balances), overdraft fees, and other account-related charges.
- Loan Fees and Services: Fees from loan origination, late payments, and other lending-related services including commercial lending, agricultural lending, and consumer lending.
- Merchant Services: Revenue share from payment processing services through Select Bankcard partnership for business merchant account services.
- Treasury Management Services: Fees from cash management, payroll processing, positive pay, vault services, and other business banking services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Certificate of Deposit - Terms from 6 months to 5 years with minimum $100 opening balance |
| Subscription | Monthly | Personal Savings with $100 minimum opening, $300 minimum daily balance to waive $4 quarterly fee |
| Subscription | Monthly | Personal Interest Checking with tiered interest rates based on balance tiers |
| Transaction based/ take rate | Pay-as-you-go | Merchant Services tiered by monthly processing volume with equipment credits |
| One time/ perpetual license | Pay-as-you-go | Official checks available for $7.00 per check |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
River Valley Community Bank product offering
Product offeringCore offering
River Valley Community Bank provides relationship-based personal and business banking services, including business and personal checking, savings, certificates of deposit, credit and debit cards, commercial and agricultural lending, treasury management, merchant services, and concierge banking. Services are delivered through five full-service branches in Northern California and one loan production office in Nevada, supplemented by online and mobile digital banking platforms. The bank targets local businesses, agricultural operations, nonprofits, and individuals in the Northern California and Western Nevada region.
Product overview
River Valley Community Bank operates as a single-institution community bank offering a unified portfolio of business and personal banking products. The core offering consists of business banking services (checking, savings, loans, treasury management, merchant services, and concierge banking), personal banking (checking, savings, CDs, credit cards, debit cards), and digital banking platforms. The bank provides services through five full-service branches in California (Yuba City, Marysville, Grass Valley, Auburn, Roseville) and one loan production office in Nevada (Reno). Services are delivered through a combination of in-person branch services, online and mobile banking platforms, and dedicated relationship bankers. The bank was founded in 2006 and celebrated its 20th anniversary in 2026.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Banking Services Comprehensive business banking solutions including business checking, savings, credit cards, loans, treasury management, and concierge services tailored for local businesses in Northern California.
- Business Checking Business checking accounts designed around how businesses operate with flexible features and local decision-making authority.
- Business Savings & CDs Savings and certificate of deposit products for business customers with competitive rates and flexible terms.
- Business Credit Cards/Debit Credit and debit card solutions for business expenses with fraud protection and merchant services integration.
- Loans & Lines of Credit Custom business lending solutions including commercial loans, lines of credit, and agricultural lending to help businesses grow.
- Treasury Management Cash flow solutions including payroll processing, positive pay, vault services, and merchant management to simplify business finances.
- Concierge Banking Premium relationship-based service providing direct access to decision-makers, custom financial solutions, and dedicated bankers for clients expecting personalized service.
- Merchant Services Payment processing solutions for businesses through Select Bankcard including equipment credits, secure payment processing, and solutions designed for daily operations.
- Online & Mobile Banking Secure digital banking platform with real-time account access, funds transfer, bill payments, eStatements, and mobile deposit capabilities for consumers and businesses.
- Personal Checking Accounts Multiple checking options including Personal Checking, Personal Interest Checking, Elite Checking (50+), Junior Checking, and Money Market accounts with various features and fee structures.
- Personal Savings Accounts Savings accounts with low minimum balance requirements, no maintenance fees with qualifying balances, and Health Savings Account (HSA) options for qualified medical expenses.
- Personal Certificates of Deposit Fixed-rate deposit products with terms up to five years, minimum 6-month terms, daily interest compounding, and automatic renewal at maturity.
- Debit MasterCard Debit card with worldwide acceptance, immediate fund deduction, surcharge-free MoneyPass ATM access, and 24/7 fraud protection.
- Visa Credit Cards
- Home Equity Line of Credit HELOC program providing ongoing access to credit using home equity with competitive interest rates and flexible draw periods.
- Branch Services In-person banking including 24-hour walk-up ATMs, safe deposit boxes, drive-up teller (Yuba City only), night depository, notary services, and official checks.
- Money Movement Fund transfer services including direct deposits, domestic and international wire transfers, ACH transactions, and money movement with security measures.
- Fraud Protection Security services including lost/stolen card reporting, fraud monitoring, identity theft prevention resources, and fraud alerts for account protection.
Quantifiable outcome
- Total assets grew to $764.4 million, up 20.3% year-over-year as of Q1 2026
- +4 more outcomes
Companies that use River Valley Community Bank
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
River Valley Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature3 records
River Valley Community Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and key community partner.
- Select BankcardcoreSelect Bankcard provides merchant services and payment processing for River Valley Community Bank business customers. The partnership enables businesses to accept card payments through RVCB-issued merchant accounts. RVCB offers promotional equipment credits for new merchant services accounts through this partnership.
- Junior Achievement of Sacramentokey community partnerPartnership to bring financial literacy, entrepreneurship and workforce readiness programs to K-12 students in Yuba, Sutter and Western Nevada Counties. RVCB team members volunteer as instructors in classrooms, teaching financial education through JA's curriculum.
- FDIC (Money Smart Program)key community partnerRVCB participates in the FDIC's Money Smart Financial Education Program, a nationwide initiative for financial skills development. The bank incorporates Money Smart curriculum into community outreach efforts to empower individuals with financial knowledge.
- Boys & Girls Club of Placer Countykey community partnerRVCB sponsors events and initiatives with the Boys & Girls Club of Placer County to support youth development and community programs in the Roseville and Placer County service area.
- Elan Financial ServicescoreElan Financial Services provides credit card processing and cardmember services for RVCB Visa Credit Cards. Zero fraud liability protection provided through Elan for unauthorized transactions. Cards issued pursuant to Visa U.S.A. Inc. licenses.
- MoneyPass NetworkcorePartnership provides surcharge-free ATM access at over 22,000 ATMs across the United States through the MoneyPass Network, in addition to the five free withdrawals per statement cycle at RVCB ATMs.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
River Valley Community Bank competitors and assessment
Company assessmentRegional players
- Banner Corporation: Pacific Northwest and Western U.S. community bank with comparable size, business banking model, and community focus; primarily operates outside California but offers like-for-like community bank comparisons.
Direct peers
- First Northern Community Bancorp: Northern California community bank serving Sacramento Valley and North Coast; highly comparable geographic footprint with ag lending and SMB focus.
- Mechanics Bank: California community bank with business banking focus and similar SMB/commercial lending model; operates across Northern and Southern California.
- Westamerica Bancorporation: Northern California community bank holding company with similar SMB and consumer banking franchise; comparable in size and geography to River Valley.
- Tri Counties Bank: Northern California community bank with a similar branch-led relationship banking model and agricultural/SMB lending focus; serves overlapping markets including the Sacramento Valley and foothill communities.
- Pacific Premier Bancorp: West Coast community bank with comparable SMB banking, treasury management, and relationship-led model; larger but operates in adjacent California markets.
- Bank of Marin Bancorp: Northern California community bank serving businesses and consumers in the Bay Area and North Bay; similar community-bank positioning, deposit-gathering focus, and SMB lending mix.
- Bank of Sierra: California-headquartered community bank providing business and personal banking across Northern and Central California; comparable deposit-funded model with community-bank growth profile.
- CVB Financial (Citizens Business Bank): California-based community bank with comparable business banking, treasury management, and relationship-led model; serves SMB and commercial clients across the state.
Broad incumbents
- Umpqua Holdings (Umpqua Bank): Pacific Northwest-headquartered regional bank with community-bank operating philosophy; broader geographic footprint but overlapping SMB and consumer banking model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
River Valley Community Bank social profiles
Digital presenceRiver Valley Community Bank compliance and trust
Trust signalCompliance5 records
River Valley Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
River Valley Community Bank leadership team
Management profileNumber of profiles
Profiles9 records
River Valley Community Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
River Valley Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
River Valley Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about River Valley Community Bank
What does River Valley Community Bank do?
River Valley Community Bank provides relationship-based personal and business banking services, including business and personal checking, savings, certificates of deposit, credit and debit cards, commercial and agricultural lending, treasury management, merchant services, and concierge banking. Services are delivered through five full-service branches in Northern California and one loan production office in Nevada, supplemented by online and mobile digital banking platforms. The bank targets local businesses, agricultural operations, nonprofits, and individuals in the Northern California and Western Nevada region.
Is River Valley Community Bank a public or private company?
River Valley Community Bank is a public company. It is classified as public and is currently operating.
When was River Valley Community Bank founded?
River Valley Community Bank was founded in 2006. It employs 11 to 50 people.
Where is River Valley Community Bank based?
River Valley Community Bank is headquartered in Yuba City, United States, in the North America region.
How does River Valley Community Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Services Fees, loan Fees and Services, merchant Services and treasury Management Services.
Who are River Valley Community Bank's main competitors?
Banner Corporation is listed as a regional player. Direct peers are First Northern Community Bancorp, Mechanics Bank, Westamerica Bancorporation, Tri Counties Bank, Pacific Premier Bancorp, Bank of Marin Bancorp, Bank of Sierra and CVB Financial (Citizens Business Bank). Umpqua Holdings (Umpqua Bank) is listed as a broad incumbent.
Does River Valley Community Bank have an API?
No public API is recorded for River Valley Community Bank.