CA lenders / Community Bank
River City Bank
Community Bank · Sacramento, CA
- Total assets
- $6.0B
- CRE loan book
- $4.2B
- QoQ CRE growth
- 1.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.19% as of Q1 2026 — TX bank median 4.87% (0.33pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.19% | 5.20% |
| Q4 2025 | 5.59% | 5.61% |
| Q3 2025 | 5.58% | 5.61% |
| Q2 2025 | 5.50% | 5.53% |
| Q1 2025 | 5.39% | 5.42% |
| Q4 2024 | 5.64% | 5.67% |
| Q3 2024 | 5.82% | 5.88% |
| Q2 2024 | 5.77% | 5.80% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $4.2B | $20.0M | $1.6B | 651% | $0 |
| Q4 2025 | $4.1B | $25.8M | $1.6B | 665% | $0 |
| Q3 2025 | $4.0B | $15.3M | $1.5B | 667% | $0 |
| Q2 2025 | $3.9B | $12.0M | $1.5B | 673% | $0 |
| Q1 2025 | $3.8B | $14.2M | $1.5B | 675% | $0 |
| Q4 2024 | $3.7B | $13.1M | $1.5B | 676% | $0 |
| Q3 2024 | $3.6B | $11.3M | $1.5B | 685% | $0 |
| Q2 2024 | $3.5B | $10.8M | $1.4B | 674% | $0 |
Signals
River City Bank: frequently asked questions
- How large is River City Bank's commercial real estate loan book?
- As of Q1 2026, River City Bank reported $4.2B in commercial real estate loans out of $6.0B in total assets, per its FFIEC Call Report.
- Is River City Bank above the 300% CRE concentration guideline?
- River City Bank's CRE loans stood at 651% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is River City Bank growing or shrinking its CRE lending?
- River City Bank's CRE loan book grew 1.0% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Burke & Herbert Bank & Trust CompanyCommunity Bank · Alexandria · $3.7B CRE book
- Union Bank and Trust CompanyCommunity Bank · Lincoln · $3.5B CRE book
- Pinnacle BankCommunity Bank · Lincoln · $3.5B CRE book
- Peapack Private Bank & TrustCommunity Bank · Bedminster · $3.4B CRE book
- First Mid Bank & Trust, National AssociationCommunity Bank · Mattoon · $3.3B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.