River City Bank

Headquarters: Sacramento, California
Charter: Bank
Assets: $6.0B
Fed district: San Francisco
Regulator: FDIC

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

Call-report figures are for River City Bank 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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	River City Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: River City Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $211K in Q2 2026, 8.8% above the same quarter a year earlier ($194K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
River City Bank: No fee
River City Bank: No fee
U.S. median: no median
Overdraft (OD)
River City Bank: $30
River City Bank: $30
U.S. median: no median
Non-Network ATM
River City Bank: $2.50
River City Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 8.2% from Q3 2025 to Q2 2026, to $211K.

Service-charge income, Q2 2026

$211K

$195KQ3 2025

$184KQ4 2025

$197KQ1 2026

$211KQ2 2026

Against the median

River City BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

River City Bank · $6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$5.4B to $6.7B in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
River City Bank(this institution)	Sacramento, CA	$6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Banesco USA	Miami, FL	$6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bradesco Bank	Coral Gables, FL	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Broadway National Bank	San Antonio, TX	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
CFG Bank	Lutherville, MD	$6.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Choice Financial Group	Fargo, ND	$6.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Emigrant Bank	Miami, FL	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Bank	St. Louis, MO	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First International Bank & Trust	Watford City, ND	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Internet Bank of Indiana	Fishers, IN	$5.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firstrust Savings Bank	Conshohocken, PA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Great Southern Bank	Reeds Spring, MO	$5.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Independent Bank	Grand Rapids, MI	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Institution for Savings in Newburyport and Its Vicinity	Newburyport, MA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mercantile Bank	Grand Rapids, MI	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middlesex Savings Bank	Natick, MA	$6.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Orrstown Bank	Harrisburg, PA	$5.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shore United Bank, National Association	Easton, MD	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Washington Trust Company, of Westerly	Westerly, RI	$6.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
TrustCo Bank	Glenville, NY	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westamerica Bank	San Rafael, CA	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $10 (100%) below the median of similar-sized banks.

Its published price is $0, against a peer median of $10 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

River City BankPeer (equal prices stack)Peer median

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 Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for River City Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $211K
vs prior quarter: +$14K+7.1%; from Q1 2026
vs a year earlier: +$17K+8.8%; from Q2 2025
vs start of range: +$22K+11.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: River City Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$211K	+$14K	+7.1%
Q1 2026	$197K	+$13K	+7.1%
Q4 2025	$184K	−$11K	−5.6%
Q3 2025	$195K	+$1K	+0.5%
Q2 2025	$194K	+$10K	+5.4%
Q1 2025	$184K	+$2K	+1.1%
Q4 2024	$182K	−$7K	−3.7%
Q3 2024	$189K	+$5K	+2.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from River City Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance FeeNo charge
per month
Account Research (audience not stated, treated as personal)$45
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft$30
per item

ATM & Card

Non-Network ATM$2.50
per transaction

Wire Transfers

Wire Transfer (Domestic Out)$35
per item
Incoming Domestic Wire Transfer$15
per item
Int’l Wire Fee Out +$30
Outgoing International Wire Transfer sent in U.S. Dollars$45
per item
Wire Transfer (Int'l Out)$75
Incoming International Wire Transfers$15
per item

Check Services

Cashier's Check$20
per item
Cashier’s Check$8
per item

Digital & Electronic

Bill Pay & Zelle$30
Not compared: Per-item charge, not monthly
per item
Bill Payment (audience not stated, treated as personal)$10
per month
Expedited Bill Payment – Electronic Delivery (audience not stated, treated as personal)$6.95
Not compared: Per-item charge, not monthly
per item
Regular bill payment requestNo charge

Account Services

Notary ServiceNo charge
Notary Service (audience not stated, treated as personal)No charge
Replacement Key$20
Not compared: Box drilling or key fee
per item
Safe Deposit Box$125
Not compared: Box drilling or key fee
Safe Deposit Box 10” X 10”$150
Safe Deposit Box 2” X 5”$40
Safe Deposit Box 3” X 10”$80
Safe Deposit Box 3” X 5”$50
Safe Deposit Box 4” X 5”$60
Safe Deposit Box 5” X 10”$90
Safe Deposit Box 5” X 5”$70
Safe Deposit Box 6” X 10”$100
Safe Deposit Box 9” X 10”$140
Legal Process/Subpoena$150

Other Fees

Armored Transport (Armored Courier)$1.25
per item
Courier Delivery$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	No charge	per month	None
Account Research (audience not stated, treated as personal)	$45Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft	$30	per item	None
ATM & Card
Avoid these fees by using an ATM that utilizes the MoneyPass© Network	$2.50	per item	None
Non-MoneyPass© ATM Activity (audience not stated, treated as personal)	$2.50	per item	None
Non-Network ATM	$2.50	per transaction	None
Wire Transfers
Wire Transfer (Domestic Out)	$35	per item	None
Incoming Domestic Wire Transfer	$15	per item	None
Int’l Wire Fee Out +	$30	Not stated	None
Outgoing International Wire Transfer sent in U.S. Dollars	$45	per item	None
Wire Transfer (Int'l Out)	$75	Not stated	None
Incoming International Wire Transfers	$15	per item	None
Check Services
Cashier's Check	$20	per item	None
Cashier’s Check	$8	per item	None
Digital & Electronic
Bill Pay & Zelle	$30Not compared: Per-item charge, not monthly	per item	None
Bill Payment (audience not stated, treated as personal)	$10	per month	None
Expedited Bill Payment – Electronic Delivery (audience not stated, treated as personal)	$6.95Not compared: Per-item charge, not monthly	per item	None
Regular bill payment request	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Notary Service (audience not stated, treated as personal)	No charge	Not stated	None
Replacement Key	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit Box	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” X 10”	$150	Not stated	None
Safe Deposit Box 2” X 5”	$40	Not stated	None
Safe Deposit Box 3” X 10”	$80	Not stated	None
Safe Deposit Box 3” X 5”	$50	Not stated	None
Safe Deposit Box 4” X 5”	$60	Not stated	None
Safe Deposit Box 5” X 10”	$90	Not stated	None
Safe Deposit Box 5” X 5”	$70	Not stated	None
Safe Deposit Box 6” X 10”	$100	Not stated	None
Safe Deposit Box 9” X 10”	$140	Not stated	None
Legal Process/Subpoena	$150	Not stated	None
Other Fees
Armored Transport (Armored Courier)	$1.25	per item	None
Courier Delivery	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 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.

Fee change alerts

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