River City Bank

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.

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

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

• Commercial banking services
• Personal banking services
• Commercial lending
• Cash management
• Residential mortgage lending

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. 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.
2. 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.
3. Dividend Payments: Quarterly cash dividends to shareholders. Most recent dividend of $0.05 per common share, payable May 19, 2026.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core 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

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Level AccesscoreTechnology or IntegrationRiver 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.
• EquifaxminorOthersCredit 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.
• ExperianminorOthersCredit 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.
• TransUnionminorOthersCredit 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.
• MoneyPasscoreTechnology or IntegrationRiver 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 CorporationminorChannel Partner/ Reseller/ DistributorDeluxe 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

Direct 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

• Xx.com/rivercitybank
• YouTubeyoutube.com/channel/UCzmqB46jeLIab_DKxpJtwaA
• LinkedInlinkedin.com/company/river-city-bank
• Instagraminstagram.com/rivercitybank
• Facebookfacebook.com/rivercitybank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about River City Bank