NASDAQ : RCBC
River City Bank — Financial statements
Financials · Banks - Regional · United States
Last price 58.75 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 820.32M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 253.90M | 239.65M | 222.29M | 180.02M | 110.21M | 96.94M |
| Interest Income on Investments | 43.28M | 43.28M | 56.85M | 33.95M | 10.23M | 5.88M |
| Total Interest Income | 297.19M | 282.93M | 279.14M | 213.97M | 120.44M | 102.82M |
| Interest Paid on Deposits | 148.39M | 138.72M | 137.13M | 85.57M | 19.08M | 6.92M |
| Interest Paid on Borrowings | 1.71M | 1.71M | 5.32M | 7.53M | -353.00K | 5.67M |
| Total Interest Expense | 150.10M | 140.43M | 142.45M | 93.10M | 18.72M | 12.60M |
| Net Interest Income | 147.08M | 142.50M | 136.69M | 120.86M | 101.72M | 90.22M |
| Gain (Loss) on Sale of Investments | 222.00K | 43.00K | 1.21M | 3.02M | 3.44M | |
| Other Non-Interest Income | 31.58M | -1.80M | 12.54M | 12.03M | 12.84M | 8.65M |
| Total Non-Interest Income | 32.65M | -949.00K | 14.60M | 12.88M | 16.84M | 13.08M |
| Revenues Before Loan Losses | 179.73M | 141.56M | 151.28M | 133.74M | 118.56M | 103.30M |
| Provision for Loan Losses | 9.50M | 1.99M | 7.54M | 12.59M | 18.41M | 10.50M |
| Revenue | 170.23M | 139.57M | 143.75M | 121.15M | 100.15M | 92.80M |
| Salaries and Employee Benefits | 28.01M | 26.67M | 24.28M | 20.92M | 17.69M | 15.75M |
| Occupancy Expenses | 2.47M | 2.48M | 2.27M | 2.35M | 4.27M | 3.73M |
| Federal Deposit Insurance | 2.72M | 2.45M | 2.66M | 2.00M | 1.08M | 1.13M |
| Selling, General & Administrative | 6.19M | 6.02M | 5.43M | 4.97M | 5.42M | 5.08M |
| Other Non-Interest Expense | 7.59M | 6.85M | 5.45M | 5.65M | 4.57M | 4.18M |
| Total Non-Interest Expense | 46.98M | 44.48M | 40.09M | 35.90M | 33.03M | 29.87M |
| EBT Excluding Unusual Items | 123.25M | 95.09M | 103.66M | 85.25M | 67.12M | 62.94M |
| Pretax Income | 123.25M | 95.09M | 103.66M | 85.25M | 67.12M | 62.94M |
| Income Tax Expense | 34.06M | 26.68M | 30.26M | 24.92M | 19.30M | 18.46M |
| Net Income | 89.19M | 68.42M | 73.40M | 60.34M | 47.82M | 44.48M |
| Net Income to Common | 89.19M | 68.42M | 73.40M | 60.34M | 47.82M | 44.48M |
| Basic Shares Outstanding | 13.99M | 14.58M | 14.71M | 14.90M | 14.84M | 14.76M |
| Diluted Shares Outstanding | 13.99M | 14.58M | 14.71M | 14.90M | 14.84M | 14.76M |
| EPS (Basic) | 6.37 | 4.69 | 4.99 | 4.05 | 3.22 | 3.01 |
| EPS (Diluted) | 6.37 | 4.69 | 4.99 | 4.05 | 3.22 | 3.01 |
| Dividend Per Share | 0.05 | 0.17 | 0.15 | 0.14 | 0.13 | |
| Effective Tax Rate | 27.64% | 28.05% | 29.19% | 29.23% | 28.75% | 29.33% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 485.87M | 477.47M | 148.67M | 549.03M | 146.59M | 161.06M |
| Investment Securities | 1.02B | 527.80M | 609.80M | 593.66M | 530.89M | 622.89M |
| Trading Asset Securities | 149.28M | 59.28M | 128.72M | 112.36M | 134.60M | 3.22M |
| Mortgage-Backed Securities | 173.71M | 102.96M | 92.61M | 106.68M | 134.99M | |
| Total Investments | 1.17B | 760.79M | 841.49M | 798.63M | 772.18M | 761.10M |
| Gross Loans | 4.85B | 4.62B | 4.26B | 3.68B | 3.24B | 2.74B |
| Allowance for Loan Losses | -111.75M | -103.80M | -102.16M | -96.05M | -84.01M | -65.00M |
| Other Adjustments to Gross Loans | -118.18M | -38.54M | -96.46M | -80.52M | -111.19M | -7.04M |
| Net Loans | 4.62B | 4.48B | 4.07B | 3.50B | 3.04B | 2.66B |
| Property, Plant & Equipment | 10.53M | 12.15M | 12.18M | 12.57M | 13.33M | 14.82M |
| Accrued Interest Receivable | 25.20M | 23.21M | 23.39M | 16.67M | 12.06M | 9.11M |
| Long-Term Deferred Tax Assets | 31.29M | 26.97M | 26.57M | 25.20M | 25.61M | 20.68M |
| Other Long-Term Assets | 38.08M | 10.45M | 10.25M | 13.40M | 12.73M | 9.98M |
| Total Assets | 6.38B | 5.80B | 5.14B | 4.93B | 4.04B | 3.66B |
| Interest Bearing Deposits | 4.71B | 3.49B | 2.81B | 2.66B | 2.29B | 2.47B |
| Institutional Deposits | 726.28M | 804.62M | 821.76M | 272.15M | 66.37M | |
| Non-Interest Bearing Deposits | 901.37M | 932.80M | 834.97M | 839.63M | 877.13M | 789.99M |
| Total Deposits | 5.61B | 5.15B | 4.45B | 4.32B | 3.44B | 3.33B |
| Current Portion of Long-Term Debt | 25.00M | 50.00M | 50.00M | 100.00M | 8.00M | |
| Current Portion of Leases | 563.00K | |||||
| Accrued Interest Payable | 3.58M | 5.15M | 4.92M | 7.16M | 994.00K | 451.00K |
| Other Current Liabilities | 149.59M | 59.09M | 130.05M | 114.94M | 127.76M | |
| Long-Term Debt | 2.18M | |||||
| Long-Term Leases | 1.00M | 1.73M | 1.63M | 1.53M | 2.72M | |
| Other Long-Term Liabilities | 23.78M | 14.26M | 17.56M | 19.89M | 15.73M | 8.98M |
| Total Liabilities | 5.79B | 5.25B | 4.66B | 4.51B | 3.69B | 3.35B |
| Common Stock | 590.87M | 28.34M | 33.28M | 37.27M | 40.06M | 37.74M |
| Retained Earnings | 513.52M | 447.57M | 376.35M | 318.11M | 272.24M | |
| Comprehensive Income & Other | 6.63M | 3.89M | 4.10M | -5.16M | -1.63M | |
| Total Common Equity | 590.87M | 548.49M | 484.74M | 417.73M | 353.01M | 308.36M |
| Shareholders' Equity | 590.87M | 548.49M | 484.74M | 417.73M | 353.01M | 308.36M |
| Total Liabilities & Equity | 6.38B | 5.80B | 5.14B | 4.93B | 4.04B | 3.66B |
| Total Debt | 26.57M | 51.73M | 51.63M | 101.53M | 12.91M | |
| Net Cash (Debt) | 635.15M | 510.19M | 225.66M | 609.76M | 179.67M | 191.37M |
| Net Cash Per Share | 45.38 | 34.98 | 15.34 | 40.92 | 12.11 | 12.97 |
| Filing Date Shares Outstanding | 13.99M | 14.27M | 14.40M | 14.53M | 14.63M | 14.53M |
| Total Common Shares Outstanding | 13.99M | 14.27M | 14.40M | 14.53M | 14.63M | 14.53M |
| Book Value Per Share | 42.22 | 38.43 | 33.65 | 28.75 | 24.13 | 21.23 |
| Tangible Book Value | 590.87M | 548.49M | 484.74M | 417.73M | 353.01M | 308.36M |
| Tangible Book Value Per Share | 42.22 | 38.43 | 33.65 | 28.75 | 24.13 | 21.23 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 68.42M | 73.40M | 60.34M | 47.82M | 44.48M | |
| Depreciation & Amortization | -3.75M | -7.68M | 763.00K | 4.48M | 6.60M | |
| Gain (Loss) on Sale of Investments | 69.40M | -19.84M | 20.93M | -115.80M | -20.66M | |
| Total Asset Writedown | -681.00K | 111.00K | ||||
| Provision for Credit Losses | -55.94M | 23.48M | -10.55M | 123.87M | 22.99M | |
| Accrued Interest Receivable | 182.00K | -4.63M | -4.61M | -2.96M | 1.08M | |
| Change in Other Net Operating Assets | -3.11M | -2.65M | -1.74M | 7.82M | 1.73M | |
| Other Operating Activities | -1.57M | -1.28M | -3.56M | -3.42M | -2.28M | |
| Operating Cash Flow | 76.48M | 61.92M | 70.23M | 64.49M | 53.95M | |
| Capital Expenditures | -1.01M | -671.00K | -296.00K | -1.15M | -486.00K | |
| Sale of Property, Plant and Equipment | 956.00K | |||||
| Investment in Securities | 19.11M | -14.54M | -29.12M | 50.38M | -47.99M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -353.85M | -587.89M | -447.28M | -503.24M | -305.85M | |
| Other Investing Activities | 40.00M | -40.00M | ||||
| Investing Cash Flow | -335.75M | -603.10M | -476.69M | -413.04M | -394.32M | |
| Long-Term Debt Issued | 92.00M | |||||
| Long-Term Debt Repaid | -25.00M | -50.00M | -5.00M | |||
| Net Debt Issued (Repaid) | -25.00M | -50.00M | 92.00M | -5.00M | ||
| Repurchase of Common Stock | -7.43M | -5.97M | -4.54M | -291.00K | ||
| Common Dividends Paid | -2.34M | -2.18M | -2.09M | -1.96M | -1.86M | |
| Total Dividends Paid | -2.34M | -2.18M | -2.09M | -1.96M | -1.86M | |
| Net Increase (Decrease) in Deposit Accounts | 693.80M | 133.85M | 878.36M | 116.29M | 315.57M | |
| Other Financing Activities | -70.96M | 15.11M | -12.82M | 127.76M | ||
| Financing Cash Flow | 588.07M | 140.81M | 808.91M | 334.09M | 308.42M | |
| Net Cash Flow | 328.81M | -400.37M | 402.44M | -14.46M | -31.96M | |
| Free Cash Flow | 75.47M | 61.25M | 69.93M | 63.34M | 53.46M | |
| Free Cash Flow Margin | 54.07% | 42.61% | 57.72% | 63.25% | 57.61% | |
| Free Cash Flow Per Share | 5.17 | 4.16 | 4.69 | 4.27 | 3.62 | |
| Cash Interest Paid | 140.20M | 144.69M | 86.94M | 18.18M | 12.45M | |
| Cash Income Tax Paid | 27.59M | 33.48M | 27.84M | 21.23M | 20.96M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 819.62M | 636.32M | 453.88M | 332.32M | 356.98M | 402.17M |
| Last Close Price | 57.99 | 43.73 | 30.76 | 22.23 | 23.53 | 26.53 |
| PE Ratio | 9.47 | 9.30 | 6.18 | 5.51 | 7.46 | 9.04 |
| PS Ratio | 4.76 | 4.56 | 3.16 | 2.74 | 3.56 | 4.33 |
| PB Ratio | 1.37 | 1.16 | 0.94 | 0.80 | 1.01 | 1.30 |
| P/FCF Ratio | 10.65 | 8.43 | 7.41 | 4.75 | 5.64 | 7.52 |
| P/OCF Ratio | 10.48 | 8.32 | 7.33 | 4.73 | 5.54 | 7.46 |
| Debt / Equity Ratio | 0.05 | 0.11 | 0.12 | 0.29 | 0.04 | |
| Debt / FCF Ratio | 0.35 | 0.84 | 0.74 | 1.60 | 0.24 | |
| Net Debt / Equity Ratio | -1.07 | -0.93 | -0.47 | -1.46 | -0.51 | -0.62 |
| Net Debt / FCF Ratio | -6.76 | -3.68 | -8.72 | -2.84 | -3.58 | |
| Return on Equity (ROE) | 15.95% | 13.24% | 16.27% | 15.66% | 14.46% | 15.39% |
| Return on Assets (ROA) | 1.50% | 1.25% | 1.46% | 1.34% | 1.24% | 1.27% |
| Earnings Yield | 10.56% | 10.75% | 16.17% | 18.16% | 13.40% | 11.06% |
| FCF Yield | 9.39% | 11.86% | 13.49% | 21.04% | 17.74% | 13.29% |
| Dividend Yield | 0.34% | 0.38% | 0.48% | 0.62% | 0.55% | |
| Payout Ratio | 3.23% | 3.42% | 2.97% | 3.46% | 4.10% | 4.18% |
| Buyback Yield / Dilution | 4.26% | 0.86% | 1.27% | -0.40% | -0.57% | -0.69% |
| Total Shareholder Return | 4.61% | 1.24% | 1.75% | 0.22% | -0.03% | -0.69% |