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Our Profile: Sacramento’s Largest Locally Owned Bank Since 1973
River City Bank is the largest independent and locally owned bank headquartered in the Sacramento, California region. Founded in 1973 by broadcasting entrepreneur Jon S. Kelly, the bank was established to fill a void in the region by focusing on the thriving business community surrounding the state capital.
With assets exceeding $5.4 billion (as of late 2024), River City Bank operates as a boutique commercial bank, delivering tailored financial solutions and concierge-like service. It maintains a strong footprint in Northern California, including Sacramento and the Bay Area, with a reputation for financial strength and stable leadership.
Core Business Segments and Specialized Expertise
River City Bank is intensely client-focused, delivering sophisticated services primarily to the commercial sector:
- Commercial Banking: The central business segment, providing a full suite of services, including commercial lending, commercial real estate financing, and deposit services.
- Treasury Management: Offers powerful cash management tools like ACH Origination, Domestic and International Wires, Remote Deposit Capture, and Commercial Cards to optimize business operations.
- Industry Specializations: The bank is known for its expertise across diverse industries, including Agribusiness, Clean Energy (through its San Francisco office), Construction, Healthcare, Nonprofits, and Property Management.
- Retail Banking: Offers personal online banking, checking and savings accounts, and home mortgages for individuals in its service areas, leveraging a high-touch service model.
The River City Bank Distinction
River City Bank’s competitive advantage is its status as a large-scale independent bank with local decision-making. It combines the substantial wherewithal of a large bank with the personal touch and responsiveness of a true relationship partner. The bank consistently ranks as a high-performing institution in the country due to its sound financial management and disciplined approach.
Corporate Contact Information: River City Bank (Headquarters)
The table below provides the essential contact details for the headquarters of River City Bank.
| Name | RIVER CITY BANK |
| Address (Corporate HQ) | 2480 Natomas Park Dr., Suite 150, Sacramento, CA 95833, USA. |
| Tel (General Customer Service) | +1 (800) 564-7144 (U.S. Toll-Free) |
| Tel (Sacramento Local) | +1 (916) 567-2899 |
| SWIFT Code (Primary) | RICTUS62XXX |