Is River Valley Community Bank Safe?
River Valley Community Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.00% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 47.09% | 100/100 |
| Return on Assets | 0.97% | 59/100 |
| Total Assets | $0.6B | |
How does River Valley Community Bank compare?
With a Bank Health Score of 96/100, River Valley Community Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, River Valley Community Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 15.00% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, River Valley Community Bank's Bank Health Score fell by 1.0 points to 96/100. Tier 1 capital strengthened by 0.40 percentage points to 15.00%. Quarter-over-quarter, the score rose by 1.0 points.
River Valley Community Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (59/100).