River City Bank

March 23, 2026

Meet Michael Bloss

River City Bank’s Michael Bloss, VP and Relationship Manager, is a trusted resource for clients seeking a banker who understands their business and can connect the dots with the right banking solutions. We caught up with Michael to talk about an upbringing shaped by family and hard work, plus his strong ties to the Tahoe area, where he recharges by staying active outdoors. From learning the ropes in his family’s restaurant to drawing inspiration from leaders who lead with integrity, Michael’s answers share what keeps him focused, motivated, and grounded at work and beyond.

Hometown: Sacramento, CA

First Job: My first job was bussing tables at my dad’s restaurant on Lake Tahoe, eventually waiting tables, then moving into the kitchen. It taught me early lessons about work ethic, customer service, and what it takes to run a business.

First Car: 1993 Nissan Altima

Favorite Movie: Caddy Shack is one of my favorite movies.

Favorite Song: “Dashboard” by Modest Mouse.

First Concert: My first concert was probably Matchbox Twenty, but I attended countless shows growing up because my dad’s concessions company serviced the amphitheater in Wheatland. I didn’t appreciate how unique that experience was until later in life.

Favorite City to Visit: San Francisco. My wife and I enjoy escaping Sacramento on the 4th of July to the SF beaches.

Favorite Place in California: Truckee and the greater Tahoe area. I snowboard there throughout the winter and spend most summer weekends hiking, camping, or relaxing at the lake.

First App You Check in the Morning: Outlook — I like to stay ahead of any client inquiries that come in overnight.

What Are You Reading Right Now? I’m re-reading Jim Collins’ books Good to Great and Great by Choice.

Morning Ritual: Wake up, respond to emails, hit the gym at 6:00, have a protein shake, and then begin the workday.

If You Had an Extra Hour in the Day: I’d spend it working out or taking a long walk — anything to keep moving.

Radio or Podcasts? Radio for everyday driving; audiobooks for longer trips.

Coffee or Tea Order: Flat white with an extra shot — typically four shots total.

Favorite Hero/Heroine of Fiction: Batman. He doesn’t have superpowers, yet he still commits himself fully to protecting others.

Which Talent Would You Most Like to Have? To play a musical instrument like the guitar or piano. I don’t naturally have an artistic side, so it would be rewarding to develop one.

Which Causes/Nonprofits Do You Support? I’m passionate about supporting food security. While at Sacramento State, I helped found the campus food pantry and still follow the organization today. Through my role at the bank, I also enjoy supporting the incredible nonprofits we partner with and learning about their missions.

Your Idea of Perfect Happiness: A sunny winter day in Tahoe, looking out over the vistas with my wife from one of the peaks at Sugar Bowl. The cold, crisp air always brings a sense of peace and clarity.

What Did You Want to Be When You Were a Child? Like many kids, I wanted to be a president or a CEO. Not many children dream of being bankers — sometimes it takes life experience to discover your calling.

Your Greatest Fear: As the oldest son, I’ve always felt responsible for supporting my family. My greatest fear is not being able to help when they need it most.

Which Living Person Do You Most Admire? My father. He instilled a strong work ethic in me, supported our family, and has always been a source of guidance and mentorship.

Your Greatest Extravagance: My wife and I enjoy dining at Michelin-starred restaurants when we travel. Our most extravagant experience so far was Gordon Ramsay’s three-star restaurant in London.

Your Current State of Mind: Calm but focused.

Best Piece of Business Advice You’ve Received: A mentor once told me to always position myself in a department that generates revenue — that’s where the greatest opportunities for growth and advancement are. That advice was a major reason I gravitated toward sales and relationship management.

Your Greatest Achievement: Marrying my wife, Jessica, last year at the top of a mountain in South Lake Tahoe.

What You Like Best About Working at River City Bank: I appreciate RCB’s nimbleness. Even with a strong corporate structure, the bank maintains an entrepreneurial spirit that encourages trying new things and pursuing emerging opportunities.

March 17, 2026

Protecting Yourself from Phone Scams

Recent Increase in Phone Scams

There has been a recent rise in phone scams where fraudsters pretend to be from the River City Bank Fraud Department. These scammers often alter their phone number, so the call appears to come from the Bank’s official line. They frequently claim that there is "suspicious activity" on your account, attempting to create a sense of urgency and pressure you into taking immediate action.

Example of a Scam Call

In one reported instance, a customer received a phone call that appeared to originate from River City Bank’s official number. The caller posed as an employee from the Fraud Department and alleged there was fraudulent activity on the client’s account. The scammer informed the customer that a text message had been sent, containing a link. The customer was then urged to click the link and log into their “Bank Account” to review the fraudulent transactions.

Understanding Credential Harvesting Attacks

This type of scam is called a credential harvesting attack. In such attacks, fraudsters impersonate legitimate entities over the phone to trick victims into providing authentication credentials. Their objective is to gather enough information to access the victim’s bank account, email, or other sensitive systems.

Common Tactics Used by Fraudsters

Spoofing caller ID to make the call appear as if it’s from the bank or another trusted organization.
Claiming there is “fraudulent activity” or “suspicious account issues” to create a sense of urgency.
Requesting sensitive information, including:

- Online banking username or password

- One-time passcodes (OTP) or verification codes

- Debit card number, PIN, or CVV

- Social Security Number

Asking victims to approve or share a mobile banking alert generated to authorize fraudulent transactions.
Urging victims to click on a link to sign in and verify fraudulent activity.

Fraud Department Policy

Our Fraud Department will never call or text customers to confirm fraudulent activity and request actions such as those described above. If you receive a call that feels unusual, expresses urgency by requesting sensitive information, or requests you to click on a link in a text message or email, do not share any details or approve any transactions.

Steps to Take If You Receive a Suspicious Call

Hang up immediately without confirming any information.
Call the bank directly using a verified contact number. Never call or respond to a number provided in the fraudulent message.
Report any unusual activity on your account as soon as possible.

Contact Information

As always, River City Bank is here to support you. If you have questions about your personal or financial information, or if you believe you may be a victim of a financial scam, please reach out to our Customer Service Team at (916) 567-2899 or (800) 564-7144, or by email at [email protected].

January 29, 2026

River City Bank Reports Net Income of $68.4 Million for 2025 and Net Income for the Fourth Quarter of $21.0 Million

The Bank Also Announces an Increase in the Quarterly Cash Dividend

SACRAMENTO, Calif., January 29, 2026— River City Bank ("the Bank") reported net income of $68.4 million or $4.69 per diluted share for the year ended December 31, 2025, which compares to $73.4 million, or $4.99 per diluted share, for the year ended December 31, 2024. The Bank also reported net income of $21.0 million, or $1.45 per diluted share, for the quarter ended December 31, 2025, which compares to $21.3 million, or $1.45 per diluted share, for the same period in 2024. The Bank’s earnings for the year ended December 31, 2025 resulted in a 13.31% return on average equity and a 1.25% return on average assets. The Bank’s book value per share rose to $38.43 as of December 31, 2025 from $33.65 per share as of December 31, 2024.

Significant items impacting net income for the years ended December 31, 2025 and 2024 include the following:

Loan growth – Average loans outstanding for the year ended December 31, 2025 were $446 million higher than the prior year, thereby increasing interest income from loans by $17.3 million despite an 18 basis point decrease in loan yields to 5.46% (including the impact of fair value hedges) compared to 5.64% in 2024.
Decreased investment securities balances and yields – Average investment securities and cash balances declined by $133 million in 2025 while yields decreased from 4.76% in 2024 to 4.08% in 2025.
Deposit growth – Average deposits grew by $301 million in 2025 compared to the prior year, supporting the Bank’s loan growth. Cost of funds decreased for 2025 by 19 basis points to 2.85% from 3.04% in 2024. These two items led to a slight reduction in interest expense of $2.0 million for 2025, when compared to the prior year.
The Bank recognized a $4.7 million reduction in income related to free-standing interest rate swaps during 2025 compared to a $9.5 million increase to income in the prior year. These swaps were entered into for the purpose of hedging the medium-term fixed rate loans in the Bank’s loan portfolio, as part of the Bank’s standard interest rate risk management program. Approximately 14% of the Bank’s interest rate swaps are free-standing as of December 31, 2025, and until these interest rate swaps are designated as a hedge to specific assets or liabilities, the mark-to-market fluctuations (positive and negative) will flow through the income statement.
The Bank recorded a $2.0 million provision for credit losses for 2025 compared to a $7.5 million provision of credit losses for the prior year. As of December 31, 2025, the Bank had zero non-performing loans, virtually no delinquent loans (0.02% of total loans), and the Bank’s Allowance for Credit Losses for Loans was 2.24% of gross loans.

“Operating results were strong in 2025 despite net income being slightly lower in 2025 compared to 2024. Also, the Bank saw above-industry-average growth, ending the year with $5.8 billion in total assets. These results demonstrate the appreciation our customers have for more than 50 years of consistently exceptional service the Bank continues to deliver,” said Steve Fleming, president and chief executive officer. “The Bank continues to perform at a high level, as reflected in the metrics of return on equity, return on assets, and operating efficiency. Credit quality remains pristine as we have not suffered any material losses on loans originated since the current management team took over in 2008. The Bank continues to utilize interest rate swap derivatives to manage our interest rate risk. All our swaps have been executed to hedge our interest rate risk – none are for speculative purposes. As such, short-term mark-to-market gains and losses in the portfolio are not reflective of the long-term benefit to our balance sheet position.”

“Operational efficiency remains a core competency for the Bank, as evidenced by our 2025 efficiency ratio of 31%,” said Brian Killeen, chief financial officer of River City Bank. "We view this operational efficiency as a competitive advantage that we have sustained for many years. The Bank’s high quality investment securities portfolio continues to perform well with small unrealized losses of 0.4% and the Bank continues to maintain high levels of liquidity with $1.2 billion of cash and investments combined with $2.0 billion in available borrowing capacity.”

Shareholders’ equity for River City Bank on December 31, 2025 increased $63 million to $548 million when compared to $485 million as of December 31, 2024. The increase was driven primarily by the current year retained earnings and an increase in the value of the investment portfolio. The Bank’s capital ratios remain healthy and well above the regulatory definition for being Well Capitalized with a Tier 1 Leverage Ratio of 9.4% and a Total Risk Based Capital Ratio of 14.0% as of December 31, 2025.

As previously announced, during December 2025, the Bank completed a ten-for-one forward stock split of its common stock shares (effectuated as a stock dividend). The stock split was done to enhance liquidity and marketability of the Bank’s common stock, which is in the best interest of shareholders. All per share and share count disclosures in this release have been updated to reflect the stock split in both the current and past periods disclosed.

Additionally, Mr. Fleming announced that the Bank’s board of directors has approved a cash dividend of $0.05 per common share (increased from $0.04 per common share) to shareholders of record as of February 10, 2026, and payable on February 24, 2026.

View the 2025 Fourth Quarter Earnings Data.

January 22, 2026

Meet Jason Perry

From the playing field to the office, Jason Perry always brings a competitive spirit and a drive to succeed. Growing up in Modesto, his first job as a youth sports referee taught him the importance of fairness and quick thinking, qualities that guide him today. Whether he’s hitting the slopes in Tahoe, planning his next trip to Big Sky, or enjoying the outdoors, Jason brings focus, determination, and a willingness to take chances (because, as his favorite quote reminds us, you miss 100% of the shots you don’t take). And as a nod to his favorite movie, Good Will Hunting, when it comes to building relationships and growing the bank, Jason knows how to deliver results that make you say, “How about them apples?”

Hometown: Modesto, CA.

First job: Refereeing youth basketball and flag football.

First car: 1993 Dodge Ram regular cab. Miss that truck.

Favorite quote: “You miss 100% of the shots you don’t take.” I think this has been quoted by a few people, but in my book, it comes from Michael Jordan.

Favorite movie: Good Will Hunting. No question.

Favorite song: There are too many good songs out there to choose just one but I think my top three would be George Strait’s “Amarillo By Morning”, Toby Keith’s “Should’ve Been a Cowboy” and John Denver’s “Rocky Mountain High”.

First concert: Luke Bryan at the Toyota Amphitheater in Wheatland, CA, when I was a sophomore in college at UC Davis.

Favorite place to visit in California: Lake Tahoe. I was just on the north shore with my beautiful girlfriend, Taylor!

City you want to visit most: I have plans to visit Big Sky, MT, with my brothers for a ski trip this February, but Nashville, TN, is also on my list.

First site or app you check in the morning: Either Wall Street Journal or my work email.

What are you reading right now? Beyond The Game by Rusty Komori. Great read so far. Mr. Komori is the winningest high school sports coach of all time (tennis) with 22 consecutive championships. Mr. Komori has a lot to offer regarding achieving your highest potential in sports, business, etc.

Morning ritual: Typically, up by 6 am and head straight to the gym. Then, coffee and right to work.

If you have an extra hour in the day, how would you spend it? Having a drink with my friends and/or family. It can be hard to make time for everyone!

Radio or podcasts? Both. I like Shawn Ryan and Joe Rogan for podcasts, but I can’t live without country music!

Which talent would you most like to have? Not really a talent, but I’d love the ability to be more patient. I’m often in a hurry to get anything and everything done at once, to the point where I don’t have patience for anything or anyone. Something to work on!

What is something people would be surprised to know about you? Kind of a tough question, but maybe that I don’t have any social media accounts outside of LinkedIn? Not very common for people these days.

What is your idea of perfect happiness? Pretty much any outdoor activity away from the city and technology. Physical activity and quiet time are how I recharge.

What did you want to be when you were a child? Either a professional baseball player or a pilot. The 80’s movie, Top Gun, had a big influence on that!

Which person do you most admire? Cliché, but my parents. Especially my mom. Being a homemaker and raising three boys with no complaints requires a special kind of person.

What is your greatest extravagance? My hobbies. All the traveling, skiing, hunting, golfing, etc. add up.

What is your current state of mind? Focused, determined, and optimistic.

What do you consider your biggest pet peeve? Complaining. It doesn’t help anything. Show a little grit and get through whatever it is.

What was the best piece of business advice you were given when you were starting out? My dad always said, "Don’t worry about failure and/or making mistakes, but just don’t make the same mistake twice." He meant it in a general sense, but it certainly applies to business.

What do you consider your greatest achievement? Professionally, I’m proud of my dedication and contributions to the bank in growing our commercial real estate loan portfolio. Personally, I’m proud of my relationships and of being a loyal friend, brother, and son. My family is everything to me!

What do you like best about working at River City Bank? The people. It’s a true honor to work with an esteemed, hardworking group of folks who inspire me to be better every day. We’ve all done such a great job growing the bank into what it is today, and I’m excited to see where we can take the bank from here. Cheers to what’s ahead!

January 22, 2026

Banking on Brilliance: How We Recruit the Best

It’s all about talent! River City Bank buys and sells the ultimate commodity – money – and ours is no greener than the next bank’s. Therefore, our success in generating a high return for our shareholders while simultaneously offering highly attractive pricing to our customers, largely boils down to the people: the efficiencies they create and the exceptional customer service they deliver. Recognizing this is the easy part; executing to make it a reality is the hard part, which takes focus and commitment.

Read on to learn about our college recruiting efforts, one of our most important long-term differentiating strategies. And if you know a talented undergraduate student at a top university who’s interested in commercial banking, send us a note…we’re always ready to hire top talent.

Step 1: Banking Academy

River City Bank teaches a 10-week commercial banking course on campus at four top-tier California universities, plus a virtual option. Each week, the two-hour session is led by a different employee of the bank, mostly executive team members, giving the students real world knowledge from industry experts.Then each student submits a final project, consisting of a written analysis of a hypothetical loan request. Admission to the class is limited to students with GPAs of 3.5+ and majoring in Economics, Finance, or a related field. This course allows both students and River City Bank to gain real familiarity with each other to determine whether there is a long-term fit. Learn more here: https://rivercitybank.com/banking-academy-learning-program/

Step 2: Internships

Each summer we welcome a select group of paid interns, many sourced from Banking Academy.This provides an even more in-depth “test drive” for both sides to see if we’re a fit for one another.

Step 3: Hiring

We hire a number of fresh graduates each year (six last year), primarily in our Credit Analysis department. Some inevitably move on within a few years, typically to other industries, but we also end up getting some extremely talented bankers who stay for the long term. In fact, after 15 years of college recruiting, we’re proud to see numerous members of middle management and even a couple executive team members that started in this program.

Job Market Trends

Things have shifted over the decades. In the 80s and early 90s, a lot of talent in California flowed into the banking industry. However, starting in the late 90s, the burgeoning technology industry began siphoning off more young talent, particularly in California given the presence of Silicon Valley. This trend may be in the process of reversing today given the hiring freezes at many tech companies sparked by the AI wave, but the trend had been in place for decades. Meanwhile, many long-tenured banking professionals are approaching retirement, leaving talent gaps and management succession challenges at many banks. At River City Bank, we're proud to have a strong and growing bench of talented professionals at every stage of their careers, and we remain committed to expanding that strength so the Bank and our clients can continue to thrive well into the future.

December 10, 2025

River City Bank’s Commercial Banking Operations Team

RCB's Commercial Banking Operations team keeps everything running smoothly behind the scenes. Led by Manager Lauren Falk and supported by specialists Jerome Gourdine and Mitchell Sroka, each member brings unique expertise and a shared enthusiasm for helping businesses thrive. Focused on more than just operations, the team is all about building trust, creating reliability, and supporting the success of every client.

Let's meet the people who make it all happen.

Lauren Falk

AVP, Commercial Banking Operations Manager

Hometown: Janesville, WI

First Job: Paper girl. My mom worked at the Janesville Gazette and thought it would be a great experience for me. I delivered papers during my freshman and sophomore years of high school, before I could drive. So, I rode my bike through Wisconsin winters, and boy, was it cold.

First Car: A 1993 white, Oldsmobile Cutlass Supreme. I bought it from my mom for $5000, and I loved that car. Did I mention it was a convertible?

First Concert: I think it was Blink-182, when I was a sophomore or junior in high school. Not long after, I switched to country music and never looked back!

Favorite Place in California: The ocean. I do not care where on the ocean. Watching sailboats drift across the water is my happy place.

Favorite Quote: “Don’t dream your life, but live your dream.” -- Mark Twain

Favorite Movie and Why: Dirty Dancing. No deep reason. I just love it. And honestly, because nobody puts Baby in a corner.

Radio or podcasts: Radio. Country or 80s rock while in the car or cleaning. But I do love a good podcast and love Habits & Hustle with Jennifer Cohen.

First site or app you check in the morning: I know everyone is expecting me to say my email, but to be honest, it is Instagram or TikTok. Nothing beats starting the day with funny videos of dogs and cats dressed up or ‘talking.’ A good laugh is the perfect way to kick things off!

What are you reading right now? Just finished rereading Be the Calm or Be the Storm: Leadership Lessons from a Woman at the Helm by Captain Sandy Yawn.

What is something people would be surprised to know about you? It might not surprise those who know me well, but after college, I spent nearly five years living and working aboard a 54-foot Island Trader sailboat. During that time, we traveled extensively, exploring Mexico, Central America, Panama, passing through the canal, and even venturing into parts of the Caribbean, before eventually returning home to “become adults.”

What was the best piece of career advice you were given when you were starting out? I don’t know if it was the best, but “toughen up and don’t wear your emotions on your sleeve.” I received this early in my banking management career, and I still reflect on it.

What do you consider your greatest achievement? To overcome tough times. I know that is not a specific achievement, but after losing my mom, my rock, I had to relearn how to navigate (personally and professionally) without her. Through perseverance, determination, and hard work, I’ve rebuilt myself and come out stronger. And graduating from Washington State University was a proud milestone. Go Cougs!

What do you like best about working at River City Bank? The culture of dedication and excellence. River City Bank hires phenomenal people – intelligent, hard-working, and committed to delivering exceptional service. It is truly rewarding to collaborate with such talented colleagues who share the same passion for customer satisfaction and doing great work.

Jerome Gourdine

Commercial Banking Relationship Specialist

Hometown: Oakland, CA

First Job: Stockroom associate at Smart and Final.

First Car: 1994 Dodge Intrepid. Despite her faded paint and bad transmission, she was a gem.

First Concert: Flying Lotus and Friends, at the Fox Theatre in Oakland. It turned out to be an unforgettable night because Parliament-Funkadelic was the opener.

Favorite Place in the Bay Area: Half Moon Bay. Half Moon Bay is very calming and a little slower. When I go there, it's all about the views. At certain spots, when you catch enough of a good day, you can get a picturesque view of the Pacific. It's truly stunning.

Favorite Quote: "You cannot do a kindness too soon, for you never know when it will be too late." -- Ralph Waldo Emerson.

Favorite Movie and Why: Escape from New York (1981). It's one of the few movies I can rewatch knowing what will happen and still sit through. I'm also a huge fan of John Carpenter, and his approach to executing a huge idea, often with limited resources.

Radio or podcasts: My favorite podcasts are The Rewatchables with Bill Simmons, Planet Money, and Stuff You Should Know. If I'm randomly listening to the radio, it's more than likely a '70s or '80s station.

First site or app you check in the morning: Chrono24 — I got into this money pit of watch collecting a few years ago and haven't looked back.

What are you reading right now: Reuters or NPR, generally. However, I've been meaning to pick up Emily St. John Mandel's, The Glass Hotel. I'm slowly chipping away at this list of "things to pick up."

What is something people would be surprised to know about you? I have quite a few food-related allergies, and the biggest surprise for most people is that I can't eat mango, pineapple, kiwi, or guava — which makes me a real hit at parties.

What was the best piece of career advice you were given when you were starting out? To paraphrase a mentor of mine: "Exceptional client service is at the heart of everything we do here." I try to practice that in every interaction I have. You never know who you're speaking with!

What do you consider your greatest achievement? It was proposing to my wife. In that moment, everything else I had achieved had fallen to the side.

As a new employee, what do you like best about working at River City Bank? My favorite thing so far is how flat the Bank is. Having direct lines with different teams is truly something I'm not going to take for granted. Decision-making feels much quicker, which creates a more organic and genuine client experience.

Mitchell Sroka

Commercial Banking Relationship Specialist

Hometown: Londonderry, NH. Londonderry is known for its orchards and active participation in the presidential primaries. Fun fact: During primary season, this quiet hometown transforms into a hub of political activity, drawing national attention for several weeks. It’s wild!

First Job: Sales associate at Best Buy.

First Car: Toyota Camry. She was “Ol’ reliable” until the engine exploded.

First Concert: MisterWives at the Port City Music Hall in Portland, ME.

Favorite Place in California: The 395 Corridor, especially June Lake and Mammoth Lakes.

Favorite Movie and Why: Jurassic Park, the first movie I was truly obsessed with.

Radio or podcasts: 99% Invisible. It is an amazing podcast on design and architecture.

First site or app you check in the morning: Email (don’t ask why—it’s just habit).

What are you reading right now? Bossypants by Tina Fey.

What is something people would be surprised to know about you? I’m missing parts of two fingers. Turns out, in the battle of boulder vs. finger, boulder wins every time. Luckily, it hasn’t slowed down my typing speed!

What was the best piece of career advice you were given when you were starting out? Don’t ever be afraid to ask questions, even if you feel unsure or think you should already know the answer.

What do you consider your greatest achievement? The friends I’ve made that still make time for me, no matter how long it’s been or the distance between us.

As a new employee, what do you like best about working at River City Bank? The sense of teamwork I get from everyone around me. Everyone is working towards the same goal of being the best, and that energy is contagious.

December 4, 2025

Cyber Safety: Holidays and Beyond

The holidays are all about joy and generosity but be aware of scammers waiting in the wings to spoil the holidays. While you’re busy spreading cheer, they’re busy plotting ways to spoil your celebrations.

According to CBS News, Americans lost a jaw-dropping $16.6 billion to scams last year, a 33% increase from 2023. This is a reminder that cyber vigilance matters every day, not just during the holidays.

Common Holiday Scams to Watch For

Cybercriminals love the holidays, but their tricks don’t stop when the decorations come down. Here are scams that pop up during festive seasons and can strike at any time:

Charity Scams. Scammers set up fake charities or spoof real ones to tug at your heartstrings and your wallet. Always verify before you donate, whether it’s December or June.

Phishing via Holiday E-Cards & Invitations. That e-card or party invite can contain a malicious link which can lead to stolen credentials or malware. Bogus Online Retailers: Unknown sites offering huge discounts can be an indicator of a fake site.

Black Friday & Cyber Monday Malvertising. Fake ads for real stores spike during big shopping events, but malvertising is a year-round threat. Always double-check URLs before you buy.

Gift Card Cons. Free gift cards might sound amazing, but these scams trick you into sharing sensitive info for prizes that never arrive.

Malware QR Codes. QR codes are convenient, but scammers are turning them into traps. They place malicious codes over real ads or in random places, leading you to malware-infested sites.

AI-Powered Travel Scams. Fraudsters now use AI to create deepfake videos and cloned voices promoting fake vacation rentals and holiday deals. They look and sound real, but you’ll end up with an empty wallet and stolen personal info. These scams aren’t seasonal; they can strike whether you’re planning winter holidays or summer getaways.

Warning Signs to Watch for Every Day

Before you click, watch for red flags like unexpected emails or calls asking for information they should already have. Be cautious of messages with an urgent tone or veiled threats, such as “you have five minutes to respond” or guilt-inducing language. And avoid sites with vague return policies or ones that only list an email address for contact.

Smart Prevention Tips for All Seasons

Check before you trust. Verify websites and charities through reputable sources like the Better Business Bureau or Get Safe Online.

Scrutinize the URLs and links. Misspellings or strange domains in a URL are classic warning signs. Never click unknown links or share personal or banking details.

Device security. Keep software updated and enable automatic security patches. Turn on multi-factor authentication wherever possible.

Watch your accounts. Regularly review statements for unusual activity.

Report and block. Copy the message and forward it to 7726 (SPAM), then block and delete. This helps your wireless provider spot and block similar messages in the future.

Suspect Fraud? Take Action Now

If you think you’ve been scammed, act fast. Start by changing passwords for any accounts that might be compromised. Next, report the incident to IC3.gov, notify local law enforcement, and file a complaint with the Federal Trade Commission. If you notice unusual activity on your financial accounts or suspect a data breach, contact your bank or financial institution right away to protect your money and identity.

December 4, 2025

Protect Your Business from Email Scams

Business Email Compromise (BEC) is a sophisticated scam targeting businesses that process electronic payments such as wire transfers or Automated Clearing House (ACH) transactions. The scam is frequently carried out when a fraudster compromises legitimate business email accounts through social engineering or computer intrusion techniques, resulting in an unauthorized transfer of funds.

How You Could Become a Victim of Business Email Compromise

Fraudsters start by monitoring the officer’s account for patterns, contacts, and information.
After choosing a target, attackers use tactics like phishing, social engineering, identity theft, email spoofing, or malware to access or impersonate the target’s email account.
Fraudster will use the compromised email account to impersonate a corporate officer to send fraudulent payment instructions.
Payment instructions direct the funds to an account controlled by the fraudster.

How to Protect Your Business

At River City Bank, we recommend the following steps to mitigate some of these risks:

Educate all staff on BEC scams and prevention strategies, including how to identify phishing emails and respond to suspected compromises.
Verify all payment changes and new transactions in person or by calling a verified phone number on file.
Use dual control when initiating payments.
Review accounts frequently to identify unusual activity quickly.
Stay vigilant and maintain strong security practices.

If you have questions, please contact River City Bank customer service by calling (800) 564-7144 or by email at [email protected].

December 4, 2025

Merchant Payment Solutions

River City Bank is pleased to offer industry-leading merchant payment solutions for our business customers. Here’s a quick look at how we can help your business lower costs, improve security, and streamline payments.

Level 3 Processing: Easy Savings

With Level 3 data, businesses accepting Visa/Mastercard business, commercial, or purchasing cards can reduce processing costs by 60–90 bps. This is ideal for B2B and high-ticket transactions.

Surcharging Now up to 3%

Merchants can legally pass through up to 3% in credit card surcharges. When implemented properly, surcharging can eliminate processing fees, speed up cash flow, and simplify AR—while staying compliant with card-brand rules.

PCI Compliance—Handled for You

We complete PCI compliance in-house for all bank clients, reducing risk, liability, and administrative burden.

Powerful Integrations & Virtual Tools

We integrate with almost all open-source software, ERPs, and shopping carts. Our virtual terminal supports secure card storage, recurring billing, electronic invoicing, payment pages, and advanced anti-fraud features.

Commercial AP & Virtual Cards on the Rise

B2B acceptance of virtual cards is increasing, particularly for large dollar transactions. As an experienced high-ticket processing partner, we understand this expanding payment channel.

Expanded Payment Options

We offer expanded payment options such as text to pay, email links, and QR codes.

October 24, 2025

River City Bank Reports 2025 Third Quarter Net Income of $19.7 Million, Net Income of $47.4 Million Year to Date, and a Quarterly Cash Dividend

The Bank Announces a Ten-For-One Stock Split

SACRAMENTO, Calif. - River City Bank (“the Bank”) reported net income of $19.7 million, or $13.56 per diluted share, for the quarter ended September 30, 2025, which compares to $16.2 million, or $11.09 per diluted share, for the same period in 2024. Net income was $47.4 million or $32.44 per diluted share for the nine months ended September 30, 2025, which compares to $52.1 million, or $35.38 per diluted share, for the nine months ended September 30, 2024. The Bank’s earnings for the nine months ended September 30, 2025 resulted in a 12.5% return on equity capital and 1.2% return on assets. The Bank’s book value per share rose to $370 as of September 30, 2025 from $324 per share as of September 30, 2024.

Significant items impacting quarterly net income for September 30, 2025 and 2024 include the following:

Higher loan balances – Average loans outstanding for the quarter ended September 30, 2025 were $372 million higher than the same period in the prior year, thereby increasing interest income from loans despite a 0.23% decrease in loan yields to 5.51% (including the impact of fair value hedges) compared to the same period in 2024.
Deposit growth – Average deposits, for the quarter ended September 30, 2025, grew by $227 million compared to the same period in the prior year, partially supporting the Bank’s loan growth, with the remainder financed by a reduction in excess cash balances. Cost of funds decreased for the quarter ended September 30, 2025 by 0.29% to 2.80% from the same period in 2024.
The Bank recognized a $45,000 reduction in income related to free-standing interest rate swaps during the current quarter compared to $6.2 million decrease to income in the prior year quarter, or a variance of $6.2 million when comparing the two periods. The current quarter impact is made up of a mark-to-market loss of $1.6 million, largely offset by $1.5 million in net payments received from swap counterparties. These swaps were entered into for the purpose of hedging the medium-term fixed rate loans in the Bank’s loan portfolio, as part of the Bank’s standard interest rate risk management program. Until these interest rate swaps are designated as a hedge to specific assets or liabilities, the mark-to-market fluctuations (positive and negative) will flow through the income statement.
The Bank recognized $644,000 reversal of provision for credit losses for the current quarter compared to a reversal of provision of credit losses of $2.0 million for the prior year quarter. As of September 30, 2025, the Bank had zero non-performing loans, virtually no delinquent loans, and the Bank’s Allowance for Credit Losses for Loans was 2.27% of gross loans.

“The Bank continues to perform at a high level, as reflected in the metrics of return on equity, return on assets, and operating efficiency. Credit quality remains pristine as we have not suffered any material losses on loans originated since the current management team took over in 2008. The increase in net income in the third quarter of 2025 as compared to the third quarter of 2024 is primarily a function of the accounting for a small portion of our interest rate swap portfolio. All our swaps have been executed to economically hedge our interest rate risk – none are for speculative purposes. As such, short-term mark-to-market gains and losses in the portfolio are not reflective of the long-term benefit to our balance sheet position,” said Steve Fleming, president and chief executive officer. “Loan growth has been slower in the first nine months of 2025 than in recent years due to reduced borrower demand which is driven by a perception by borrowers that (a) interest rates are high (and will decline) and (b) the outlook for the economy is more uncertain than normal. Rest assured that we will be well positioned to return to our more normal loan growth once borrower demand picks up.”

“Operational efficiency remains a core competency for the Bank, as evidenced by our 33% efficiency ratio for the nine months ended September 30, 2025” said Brian Killeen, chief financial officer of River City Bank. “The Bank’s high quality investment securities portfolio continues to perform well with small unrealized losses of 0.6% and the Bank continues to maintain high levels of liquidity with $1.0 billion of on balance sheet cash and investments combined with nearly $1.9 billion in available borrowing capacity.”

Shareholders’ equity for River City Bank on September 30, 2025 increased $43 million to $528 million when compared to $485 million as of December 31, 2024. The increase was driven primarily by the current year retained earnings and an increase in the value of the investment portfolio. The Bank’s capital ratios remain healthy and well above the regulatory definition for being Well Capitalized with a Tier 1 Leverage Ratio of 9.5% as of September 30, 2025.

Additionally, Mr. Fleming announced that the Bank’s board of directors has approved a cash dividend of $0.40 per common share to shareholders of record as of November 4, 2025, and payable on November 18, 2025.

Lastly, Mr. Fleming announced that the Bank’s board of directors approved and declared a ten-for-one forward split of the shares of the Bank’s common stock. The stock split is a means to enhance liquidity and marketability of the Bank’s common stock, which is in the best interest of shareholders.

The split will be in the form of a stock dividend in which each shareholder as of the close of business on December 1, 2025 will receive nine additional shares of the Bank’s common stock for each share held, to be distributed after the close of business on December 15, 2025. The stock split, which will result in every one (1) share of Bank common stock being converted into ten (10) shares of the Bank’s common stock, will have no impact on the voting and other rights of shareholders and will have no impact on the Bank’s business operations. The stock split will increase the number of shares of RCB’s outstanding common stock from approximately 1.4 million shares to approximately 14.2 million shares (using September 30, 2025 outstanding share totals).

View the 2025 Third Quarter Earnings data.