River City Bank
River City Bank, together with its subsidiaries, provides various banking services in El Dorado, Placer, Sacramento, and Yolo, California. The company offers checking, savings, and term certificate accounts. It also provides personal, consumer, term, commercial real estate, commercial, agriculture, and residential mortgage loans; and home equity lines of credit, revolving lines of credit, non-rev… Read more
River City Bank (RCBC) - Net Assets
Latest net assets as of September 2025: $527.70 Million USD
Based on the latest financial reports, River City Bank (RCBC) has net assets worth $527.70 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.47 Billion) and total liabilities ($4.95 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $527.70 Million |
| % of Total Assets | 9.64% |
| Annual Growth Rate | 10.67% |
| 5-Year Change | 79.88% |
| 10-Year Change | 206.98% |
| Growth Volatility | 104.3 |
River City Bank - Net Assets Trend (2001–2024)
This chart illustrates how River City Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for River City Bank (2001–2024)
The table below shows the annual net assets of River City Bank from 2001 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $484.74 Million | +16.04% |
| 2023-12-31 | $417.73 Million | +18.33% |
| 2022-12-31 | $353.01 Million | +14.48% |
| 2021-12-31 | $308.36 Million | +14.43% |
| 2020-12-31 | $269.48 Million | +13.88% |
| 2019-12-31 | $236.64 Million | +13.40% |
| 2018-12-31 | $208.68 Million | +12.86% |
| 2017-12-31 | $184.89 Million | +8.37% |
| 2016-12-31 | $170.61 Million | +8.05% |
| 2015-12-31 | $157.91 Million | +6.61% |
| 2014-12-31 | $148.11 Million | +7.37% |
| 2013-12-31 | $137.95 Million | +4.49% |
| 2012-12-31 | $132.03 Million | +6.29% |
| 2011-12-31 | $124.21 Million | +10.39% |
| 2010-12-31 | $112.52 Million | +26.64% |
| 2009-12-31 | $88.85 Million | -4.09% |
| 2008-12-31 | $92.64 Million | -2.16% |
| 2007-12-31 | $94.69 Million | +509.09% |
| 2006-12-31 | $15.55 Million | -78.80% |
| 2005-12-31 | $73.31 Million | +19.54% |
| 2004-12-31 | $61.33 Million | +11.04% |
| 2003-12-31 | $55.23 Million | +6.08% |
| 2002-12-31 | $52.07 Million | +10.66% |
| 2001-12-31 | $47.05 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to River City Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1236.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $447.57 Million | 92.33% |
| Common Stock | $33.28 Million | 6.87% |
| Other Comprehensive Income | $3.89 Million | 0.80% |
| Total Equity | $484.74 Million | 100.00% |
River City Bank Competitors by Market Cap
The table below lists competitors of River City Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Vizsla Copper Corp
PINK:VCUFF
|
$3.00 Million |
|
Flying Nickel Mining Corp
OTCQB:FLYNF
|
$3.01 Million |
|
Ice Fish Farm AS
OL:IFISH
|
$3.01 Million |
|
AGATOS S.P.A.
F:5JS1
|
$3.01 Million |
|
GANGLONG CHINA PR.GR.LTD
F:52J
|
$3.00 Million |
|
FEDEX (FDX.SG)
STU:FDX
|
$3.00 Million |
|
NOTORIOUS PICTURES S.P.A.
F:2FK
|
$3.00 Million |
|
DB (International) Stock Brokers Limited
NSE:DBSTOCKBRO
|
$3.00 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in River City Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 417,730,000 to 484,740,000, a change of 67,010,000 (16.0%).
- Net income of 73,399,000 contributed positively to equity growth.
- Dividend payments of 2,179,000 reduced retained earnings.
- Share repurchases of 5,973,000 reduced equity.
- Other comprehensive income decreased equity by 215,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $73.40 Million | +15.14% |
| Dividends Paid | $2.18 Million | -0.45% |
| Share Repurchases | $5.97 Million | -1.23% |
| Other Comprehensive Income | $-215.00K | -0.04% |
| Other Changes | $1.98 Million | +0.41% |
| Total Change | $- | 16.04% |
Book Value vs Market Value Analysis
This analysis compares River City Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 9.46x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 68.67x to 9.46x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-12-31 | $4.54 | $311.60 | x |
| 2002-12-31 | $5.00 | $311.60 | x |
| 2003-12-31 | $5.60 | $311.60 | x |
| 2004-12-31 | $6.17 | $311.60 | x |
| 2005-12-31 | $7.23 | $311.60 | x |
| 2006-12-31 | $9.10 | $311.60 | x |
| 2007-12-31 | $9.21 | $311.60 | x |
| 2008-12-31 | $9.03 | $311.60 | x |
| 2009-12-31 | $8.69 | $311.60 | x |
| 2010-12-31 | $9.92 | $311.60 | x |
| 2011-12-31 | $8.63 | $311.60 | x |
| 2012-12-31 | $9.17 | $311.60 | x |
| 2013-12-31 | $9.69 | $311.60 | x |
| 2014-12-31 | $10.39 | $311.60 | x |
| 2015-12-31 | $11.03 | $311.60 | x |
| 2016-12-31 | $11.84 | $311.60 | x |
| 2017-12-31 | $12.77 | $311.60 | x |
| 2018-12-31 | $14.34 | $311.60 | x |
| 2019-12-31 | $16.20 | $311.60 | x |
| 2020-12-31 | $18.39 | $311.60 | x |
| 2021-12-31 | $20.89 | $311.60 | x |
| 2022-12-31 | $23.79 | $311.60 | x |
| 2023-12-31 | $28.04 | $311.60 | x |
| 2024-12-31 | $32.95 | $311.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently River City Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.14%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 51.06%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 10.61x
- Recent ROE (15.14%) is above the historical average (8.88%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 12.07% | 109.15% | 0.01x | 11.94x | $975.70K |
| 2002 | 12.27% | 96.35% | 0.01x | 12.62x | $1.18 Million |
| 2003 | 11.60% | 68.30% | 0.01x | 12.67x | $884.50K |
| 2004 | 11.23% | 80.73% | 0.01x | 12.21x | $753.90K |
| 2005 | 18.04% | 110.21% | 0.02x | 10.31x | $5.90 Million |
| 2006 | -0.33% | -3.81% | 0.09x | 0.98x | $-9.08 Million |
| 2007 | 5.32% | 9.06% | 0.07x | 8.67x | $-4.43 Million |
| 2008 | -4.57% | -8.22% | 0.06x | 10.00x | $-13.50 Million |
| 2009 | -6.62% | -10.94% | 0.05x | 11.69x | $-14.77 Million |
| 2010 | 4.62% | 9.71% | 0.05x | 9.18x | $-6.06 Million |
| 2011 | 8.55% | 20.38% | 0.05x | 9.08x | $-1.80 Million |
| 2012 | 8.83% | 24.41% | 0.04x | 8.97x | $-1.55 Million |
| 2013 | 7.82% | 23.61% | 0.04x | 8.95x | $-3.01 Million |
| 2014 | 7.53% | 25.43% | 0.03x | 8.62x | $-3.66 Million |
| 2015 | 7.50% | 26.53% | 0.03x | 9.61x | $-3.94 Million |
| 2016 | 8.73% | 29.61% | 0.03x | 10.65x | $-2.16 Million |
| 2017 | 9.02% | 27.14% | 0.03x | 11.02x | $-1.81 Million |
| 2018 | 11.50% | 38.59% | 0.03x | 10.57x | $3.14 Million |
| 2019 | 10.70% | 36.83% | 0.03x | 10.75x | $1.65 Million |
| 2020 | 11.74% | 43.06% | 0.02x | 12.33x | $4.68 Million |
| 2021 | 14.42% | 38.37% | 0.03x | 11.86x | $13.64 Million |
| 2022 | 13.55% | 47.75% | 0.02x | 11.45x | $12.52 Million |
| 2023 | 14.44% | 49.80% | 0.02x | 11.81x | $18.56 Million |
| 2024 | 15.14% | 51.06% | 0.03x | 10.61x | $24.93 Million |
Industry Comparison
This section compares River City Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| River City Bank (RCBC) | $527.70 Million | 12.07% | 9.38x | $3.00 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |