Compared with Kentucky
4 of 17
compared fees are above the median.
4 below, 9 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
32nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 17 compared; 4 below, 9 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for River City Bank, Inc. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | River City Bank, Inc.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.4% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (32nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $71K in Q2 2026, 18% below the same quarter a year earlier ($87K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 17 compared published fees sit above the Kentucky median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $7.50, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 15% from Q3 2025 to Q2 2026, to $71K. Its share of revenue, 1.4%, is below the 2.1% median for banks with $300M to $1B in assets.
$71K
River City Bank, Inc.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
River City Bank, Inc. · $495M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| River City Bank, Inc.(this institution) | Louisville, KY | $495M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ambler Savings Bank | Ambler, PA | $502M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arundel Federal Savings Bank | Glen Burnie, MD | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank and Trust | Milledgeville, GA | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colonial Savings, F.A. | Fort Worth, TX | $502M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dean Co-operative Bank | Franklin, MA | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Eagle Bank and Trust Company | Little Rock, AR | $506M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| EvaBank | Eva, AL | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank and Trust | Bayport, MN | $499M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank of Nebraska | Wahoo, NE | $498M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fulton Savings Bank | Fulton, NY | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grinnell State Bank | Grinnell, IA | $499M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grundy Bank | Morris, IL | $505M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mega Bank | San Gabriel, CA | $507M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Merchants Commercial Bank | St Thomas, VI | $506M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shamrock Bank, N.A. | Coalgate, OK | $501M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Clovis | Clovis, NM | $493M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Napoleon State Bank | Napoleon, IN | $499M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples State Bank | Ellettsville, IN | $507M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| UNICO Bank | Mineral Point, MO | $503M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $6.98 among 17 publishing peers.
Its two checking prices are $5 and $10.
$7.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026. Total assets from FDIC and NCUA records.
Call reports for River City Bank, Inc. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $71K | −$6K | −7.8% |
| Q1 2026 | $77K | −$7K | −8.3% |
| Q4 2025 | $84K | $0 | 0.0% |
| Q3 2025 | $84K | −$3K | −3.4% |
| Q2 2025 | $87K | −$3K | −3.3% |
| Q1 2025 | $90K | +$3K | +3.4% |
| Q4 2024 | $87K | −$9K | −9.4% |
| Q3 2024 | $96K | +$5K | +5.5% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, River City Bank, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to River City Bank, Inc. by share.
Amounts from River City Bank, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per hour
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premium Advantage Checking Service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Record Research Fee; Per item charge (checks, statements, etc.) | $5Below the U.S. middle 50% ($6.63 to $25 nationally) | per item | None |
| Account Record Research Fee; research charge | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Item Charge | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Charge | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Daily Overdraft Charge (Checking Accounts Only); If your account is overdrawn for 4 | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM Service Charge (transactions not at River City Bank or Affiliates) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card -International | 1% | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee Outgoing-Domestic (Customer Only) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee Incoming- (Customer Only) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee Outgoing- International (Customer Only) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check - (Customer Only) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Charge (if amount, payee and check number given) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Charge (incomplete information) | $50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Fee (Per Printed Page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Banking and Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee | $7Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service- (Customer Only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box Rental Fee (annually) LARGE | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental Fee (annually) SMALL | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box/Self-Storage Box Late Charge-15 Days late | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box/Self-Storage Box; Drill and replace lock | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box/Self-Storage Box; Lost Key Fee (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Self-Storage Box Rental Fee 10x10 (annually)-Middletown & Jeffersonville Locations | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Self-Storage Box Rental Fee 3x10 (annually)-Middletown & Jeffersonville Locations | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Self-Storage Box Rental Fee 5x10 (annually)-Middletown & Jeffersonville Locations | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where River City Bank, Inc. operates, and what regulators and customers have on file.
Branch footprint
7 offices in 2 states, $438.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $438.3M |
Louisville/Jefferson County, KY-IN
0.9% of bank deposits, #14 of 43, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 19.2% |
| JPMorgan Chase Bank, National Association | 16.8% |
| Truist Bank | 11.5% |
| Stock Yards Bank & Trust Company | 10.8% |
| Republic Bank & Trust Company | 8.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Louisville/Jefferson County, KY-IN, River City Bank, Inc. holds 0.9% of bank deposits, #14 of 43, with 7 offices.
441 offices of 67 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 43 institutions shown. $48.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.9% share, 7 offices, #14 of 43
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
103 offices of 26 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.