River City Bank Balance Sheet Health
Financial Health criteria checks 6/6
River City Bank has total assets of $4.9B and total equity of $417.7M. Total deposits are $4.3B, and total loans are $3.5B. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0% of total loans. Cash and short-term investments are $661.4M.
Key information
11.8x
Asset to equity ratio
2.7%
Net interest margin
| Total deposits | US$4.32b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.0003% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$661.39m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: RCBC's Assets to Equity ratio (11.8x) is moderate.
Allowance for Bad Loans: RCBC has a sufficient allowance for bad loans (686079%).
Low Risk Liabilities: 96% of RCBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: RCBC has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: RCBC's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: RCBC has an appropriate level of bad loans (0%).