River City Bank, Inc.

River City Bank, Inc. is a currently active commercial lending specialization banking institution headquartered in Louisville, Kentucky. Established in 06/26/1986, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, River City Bank, Inc. manages $489.9M in total assets and holds $438.5M in customer deposits. When evaluating the stability of River City Bank, Inc., one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.87%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.78%, while its Return on Equity (ROE) sits at 8.00%. These robust metrics contribute to an overall health score of 8.7 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.