Four new markets
The bank lent in 20 counties across five states in 2025. It entered Tampa, Morristown, Columbus and Dalton that year, though it is a small lender in each; in Dalton it ranks 174 of 234.
Applications / Mortgage Analytics / Lenders / Georgia / River City Bank
River City Bank
Rome, GA · State non-member bank · FDIC · $398 million assets · 64 loans in 2025
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64
loans originated, 2025
81
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River City Bank, a small Georgia bank, is spreading beyond its home town of Rome, entering four new markets in 2025 while its share at home slipped.
Smaller share in Rome
In Rome it ranks 23 of 233 lenders, with 1.1% of the dollars, down from 1.8%. Its typical loan fell from $205,000 to $155,000, and with so few loans that alone could pull its dollar share down. Rocket Mortgage and United Community Bank lead there.
Growing faster than peers
Its loans rose 16% in 2025, to 64, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. The bank filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
More lending in poorer and minority neighborhoods
Some 25.4% of its loans went to low- and moderate-income neighborhoods, against 18.7% at similar lenders, and 17.2% to majority-minority neighborhoods, against 6.8%. Both are higher than about two-thirds of its peers. Purchases made up 57.8% of its lending and refinancing 34.4%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
64 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. River City Bank took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
57.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 57.8% · Refinance 34.4% · Home improvement 7.8%
Conventional 100.0% · of 64 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
5 states, 9 metros, 20 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 55 | 85.9% |
| Alabama | 3 | 4.7% |
| Florida | 3 | 4.7% |
| North Carolina | 2 | 3.1% |
| Tennessee | 1 | 1.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Rome | 23 |
| Panama City-Panama City Beach | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Columbus | 1 |
| Dalton | 1 |
| Gadsden | 1 |
| Marietta | 1 |
| Morristown | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TQIZ85N2EIS783 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3445901 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358289 | 2007–2017 |
Established 23 May 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: River City Bank's data.
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