CA lenders / Community Bank
River Valley Community Bank
Community Bank · Yuba City, CA · River Valley Community Bcorp
- Total assets
- $764.2M
- CRE loan book
- $328.8M
- QoQ CRE growth
- -1.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.75% as of Q1 2026 — TX bank median 4.87% (0.89pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.75% | 5.80% |
| Q4 2025 | 5.85% | 5.80% |
| Q3 2025 | 5.78% | 5.84% |
| Q2 2025 | 5.61% | 5.70% |
| Q1 2025 | 5.53% | 5.61% |
| Q4 2024 | 5.55% | 5.59% |
| Q3 2024 | 5.48% | 5.48% |
| Q2 2024 | 5.20% | 5.23% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $328.8M | $19.8M | $34.1M | 276% | $0 |
| Q4 2025 | $332.9M | $18.6M | $39.4M | 286% | $0 |
| Q3 2025 | $310.9M | $15.3M | $34.1M | 274% | $0 |
| Q2 2025 | $304.8M | $14.5M | $34.9M | 271% | $0 |
| Q1 2025 | $300.3M | $12.4M | $35.2M | 267% | $0 |
| Q4 2024 | $298.7M | $13.0M | $35.4M | 261% | $0 |
| Q3 2024 | $271.1M | $19.7M | $35.3M | 247% | $0 |
| Q2 2024 | $252.8M | $21.3M | $31.3M | 242% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Horizon BankCommunity Bank · Waverly · $329.2M CRE book
- Clear Fork Bank, National AssociationCommunity Bank · Albany · $332.9M CRE book
- Dayspring BankCommunity Bank · Gothenburg · $323.6M CRE book
- Dominion BankCommunity Bank · Dallas · $322.6M CRE book
- Park State BankCommunity Bank · Duluth · $335.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.