River City Bank
River City Bank is an independent, privately-held community bank headquartered in Sacramento, California, serving consumers, businesses, and ten industry verticals across 8 Sacramento branches and a San Francisco commercial office via relationship-manager-driven banking and digital channels.
- Company typePrivate
- Founded1975
- HeadquartersSacramento, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What River City Bank does
River City Bank is an independent, privately-held community bank headquartered in Sacramento, California, founded in 1973. It operates 8 branches across the Greater Sacramento region and a commercial banking office in San Francisco, serving individual consumers, business and commercial clients, and ten named industry verticals including Agribusiness, Clean Energy, Commercial Real Estate, Construction, Healthcare, Manufacturing & Distribution, Nonprofit, Professional Services, Property Management, and Representative Payee.
The bank's core product set spans personal banking (Checking and Savings, Debit Mastercard, Home Mortgage, HELOC, Premier Banking tier) and commercial banking (Commercial Lending, Commercial Real Estate financing up to $32.5 million, Cash Management, Deposit Services, Lockbox Services). Service delivery combines a relationship-manager model with digital channels, including Personal and Commercial Online Banking platforms and a Mobile Banking app, complemented by Phone Banking support. Security features include multifactor authentication, session timeout, and a text-based debit card fraud alert system. The bank also partners with Level Access for WCAG 2.2 Level AA digital accessibility compliance and with Deluxe for check ordering, while participating in the MoneyPass surcharge-free ATM network.
Revenue mechanics are typical of a community bank: primary income from net interest spread on loans and deposits, supplemented by transactional fees (e.g., $30 overdraft, $15-$45 wire fees, $2.50 ATM fees, $40-$150 safe deposit box rentals), and quarterly cash dividends to shareholders (most recent at $0.05 per share). As of March 31, 2026, total assets reached $6.05 billion for the first time, Q1 2026 net income was $17.9 million (up 45.8% YoY), deposits grew $238 million during the quarter, and zero non-performing loans were reported. The bank is led by President & CEO Steve Fleming and ranked #6 in the US by Bank Director for 2025.
River City Bank firmographics
Firmographics- Name
- River City Bank
- Legal name
- River City Bank
- Website
- https://rivercitybank.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- River City Bank is an independent, privately-held community bank headquartered in Sacramento, California, serving consumers, businesses, and ten industry verticals across 8 Sacramento branches and a San Francisco commercial office via relationship-manager-driven banking and digital channels.
- Ownership category
- akta.pro rank
River City Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Public Sector Retail Banks (State-Owned Commercial Banks) (FSABAKAL)
- akta.pro secondary industries
- Savings Banks (Public/State-Owned) (FSABAKAK), Municipal/Local Government Development Banks (FSABAKAI)
Keywords
Where River City Bank is headquartered
LocationHeadquarters
- HQ city
- Sacramento
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
River City 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, Supply Chain
Revenue model
- Interest Income from Loans and Deposits: Primary revenue stream driven by interest income from increased loan and cash balances. Q1 2026 net income of $17.9 million was driven by $4.7 million higher interest income from increased loan and cash balances, along with favorable mark-to-market adjustments on undesignated interest rate swaps.
- Banking Fees and Service Charges: Various banking fees including overdraft fees ($30), wire transfer fees ($15-$45), ATM fees ($2.50), safe deposit box rental ($40-$150 annually), and other service charges disclosed in the fee schedule.
- Dividend Payments: Quarterly cash dividends to shareholders. Most recent dividend of $0.05 per common share, payable May 19, 2026.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Standard consumer banking services with FDIC insurance |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
River City Bank product offering
Product offeringCore offering
River City Bank is a privately-held regional community bank headquartered in Sacramento, California, providing personal and commercial banking services through 8 branches in the Greater Sacramento region and a commercial banking office in San Francisco. Its offerings span deposit accounts, debit cards, mortgages, personal loans, and digital banking channels for consumers, as well as commercial lending, cash management, lockbox services, commercial real estate financing, and clean energy financing for businesses. The bank delivers industry-specialized expertise across ten verticals including agribusiness, construction, healthcare, manufacturing, nonprofits, professional services, and property management, supported by relationship managers with sector-specific knowledge.
Product overview
River City Bank is a regional commercial bank offering an integrated suite of personal and business banking products. The core offerings include Personal Online Banking and Commercial Online Banking digital platforms, complemented by Mobile Banking apps for account access. Personal services span Checking and Savings Accounts, Debit Mastercard, Home Mortgage, Loans (including HELOC), and Premier Banking (premium tier). Commercial offerings include Commercial Banking, Commercial Lending, Commercial Real Estate financing, Cash Management, Deposit Services, Lockbox Services, and Clean Energy financing. The bank also operates an industry-specialized approach serving Agribusiness, Construction, Healthcare, Manufacturing & Distribution, Nonprofit, Professional Services, Property Management, and Representative Payee sectors. All services are accessible through the bank's 8 Greater Sacramento region branches and San Francisco commercial banking office.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Online Banking Digital banking platform enabling consumer customers to access accounts, conduct transactions, pay bills, and manage personal finances online through a secure web portal.
- Commercial Online Banking Business-focused digital banking platform providing corporate account management, cash management services, and commercial transaction capabilities for business clients.
- Mobile Banking Smartphone and tablet banking application enabling customers to access accounts, transfer funds, deposit checks, and conduct banking transactions on mobile devices.
- Checking and Savings Accounts Personal deposit accounts including various checking and savings options with features such as debit Mastercard access, bill payment, and overdraft protection.
- River City Bank Debit Mastercard Debit card linked to personal checking accounts enabling point-of-sale purchases, ATM withdrawals, and secure online transactions.
- Home Mortgage Residential mortgage lending products for purchasing or refinancing homes, including various term options and loan types for individual borrowers.
- Personal Loans (including HELOC) Personal lending products including Home Equity Lines of Credit (HELOC) for homeowners seeking credit options.
- Premier Banking Premium personal banking service offering enhanced features, benefits, and personalized service for high-value customers, including the Elite Checking Account with safe deposit box discounts.
- Commercial Banking Comprehensive business banking services including relationship management, industry expertise, and business-building connections across multiple industry sectors.
- Commercial Lending Business credit facilities and lending solutions tailored to commercial customers' operational and growth needs.
- Commercial Real Estate Financing Specialized commercial real estate financing for property acquisitions, developments, and investments, including transactions up to $32.5 million.
- Cash Management Business cash management services including account monitoring, liquidity management, and transaction optimization tools for commercial customers.
- Deposit Services Business deposit account services providing secure storage of business funds with various account types and accessibility options.
- Lockbox Services Payment processing service enabling businesses to receive and process customer payments efficiently through dedicated lockbox addresses.
- Clean Energy Financing Specialized banking services and financing solutions for clean energy projects and sustainable business initiatives.
Quantifiable outcome
- 45.8% increase in net income year-over-year (Q1 2026 vs Q1 2025)
- +2 more outcomes
Companies that use River City Bank
Customer profileSegments3 records
Ideal customer profiles2 records
River City Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
River City Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Level AccesscoreRiver City Bank has partnered with Level Access to leverage their digital accessibility platform and 25 years of experience to achieve and sustain conformance to WCAG 2.2 Level AA accessibility standards. Level Access's digital accessibility platform is used to evaluate River City Bank's digital properties in accordance with best practices, supported by a diverse team of accessibility professionals including users with disabilities.
- EquifaxminorCredit bureau partnership allowing customers to access credit reports, place fraud alerts, and monitor their credit health. River City Bank provides information about Equifax services as part of its safety and security resources.
- ExperianminorCredit bureau partnership allowing customers to access credit reports, place fraud alerts, and monitor their credit health. River City Bank provides information about Experian services as part of its safety and security resources.
- TransUnionminorCredit bureau partnership allowing customers to access credit reports, place fraud alerts, and monitor their credit health. River City Bank provides information about TransUnion services as part of its safety and security resources.
- MoneyPasscoreRiver City Bank participates in MoneyPass, an ATM surcharge-free network. Customers can use MoneyPass ATMs without incurring foreign ATM fees. If charged a fee at a MoneyPass ATM, customers can contact the bank for a refund.
- Deluxe CorporationminorDeluxe provides check ordering services for River City Bank customers. Personal check orders can be placed at www.deluxe.com or by calling Deluxe Customer Service at (877) 838-5287. Business checks and forms can be ordered at www.deluxe.com or by calling (800) 865-1913.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
River City Bank competitors and assessment
Company assessmentDirect peers
- Five Star Bank: Five Star Bank is a Sacramento-based community commercial bank serving businesses and consumers in the Greater Sacramento region, overlapping directly with River City Bank's primary geographic and product footprint.
- Mechanics Bank: Mechanics Bank is a California-based regional commercial bank offering relationship-driven business banking, commercial lending, and treasury services to mid-market companies, comparable in model and target customer to River City Bank.
- Bank of Marin Bancorp: Bank of Marin is a Northern California community bank focused on relationship-based business and personal banking, with a similar boutique service model and comparable client profile to River City Bank.
- Pacific Premier Bancorp: Pacific Premier Bancorp is a California-headquartered commercial bank serving small-to-mid-sized businesses with lending, treasury management, and deposit services, directly comparable to River City Bank's commercial offering.
- CVB Financial (Citizens Business Bank): CVB Financial operates Citizens Business Bank, a California-focused commercial bank serving middle-market businesses with industry-specialized relationship banking, closely aligned with River City Bank's vertical-driven approach.
- Heritage Commerce Corp: Heritage Commerce Corp operates Heritage Bank of Commerce, a California community commercial bank targeting mid-market and SMB clients with relationship-based banking, comparable to River City Bank's model and geography.
- TriCo Bancshares: TriCo Bancshares operates Tri Counties Bank, a Northern California community bank serving consumers and businesses with a similar regional, relationship-focused banking approach as River City Bank.
- Westamerica Bancorporation: Westamerica Bancorporation is a Northern California community bank providing commercial and retail banking services to small businesses and consumers, a comparable community-banking franchise in the same geographic region.
- First Northern Community Bancorp: First Northern Community Bancorp operates First Northern Bank, a Northern California community bank serving small businesses and consumers with relationship-based banking, comparable in scale, model, and geography to River City Bank.
Regional players
- Banner Corporation: Banner Corporation operates Banner Bank, a Pacific Northwest-based community commercial bank with a similar relationship-banking model and mid-market commercial lending focus, comparable in business mix but serving a different geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks4 records
Key highlights7 records
Customer concentration
River City Bank social profiles
Digital presenceRiver City Bank compliance and trust
Trust signalCompliance3 records
River City Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
River City Bank leadership team
Management profileNumber of profiles
Profiles5 records
River City Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
River City Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about River City Bank
What does River City Bank do?
River City Bank is a privately-held regional community bank headquartered in Sacramento, California, providing personal and commercial banking services through 8 branches in the Greater Sacramento region and a commercial banking office in San Francisco. Its offerings span deposit accounts, debit cards, mortgages, personal loans, and digital banking channels for consumers, as well as commercial lending, cash management, lockbox services, commercial real estate financing, and clean energy financing for businesses. The bank delivers industry-specialized expertise across ten verticals including agribusiness, construction, healthcare, manufacturing, nonprofits, professional services, and property management, supported by relationship managers with sector-specific knowledge.
Is River City Bank a public or private company?
River City Bank is a private company. It is classified as unknown and is currently operating.
When was River City Bank founded?
River City Bank was founded in 1975. It employs 251 to 500 people.
Where is River City Bank based?
River City Bank is headquartered in Sacramento, United States, in the North America region.
How does River City Bank make money?
Three revenue lines are on record. Interest Income from Loans and Deposits are the primary driver. The others are banking Fees and Service Charges and dividend Payments.
Who are River City Bank's main competitors?
Direct peers on record are Five Star Bank, Mechanics Bank, Bank of Marin Bancorp, Pacific Premier Bancorp, CVB Financial (Citizens Business Bank), Heritage Commerce Corp, TriCo Bancshares, Westamerica Bancorporation and First Northern Community Bancorp. Banner Corporation is listed as a regional player.
Does River City Bank have an API?
No public API is recorded for River City Bank.
What industry is River City Bank in?
River City Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAKAL, Public Sector Retail Banks (State-Owned Commercial Banks), with a secondary code of FSABAKAK, Savings Banks (Public/State-Owned). Its NAICS code is 5221 and its SIC code is 6022.