Bank · FDIC insured
River City Bank
A $494.9M bank headquartered in Louisville, KY, with 7 branches in 2 states. Best rates: CDs 4.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.10%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About River City Bank
River City Bank is a member of the First Breckinridge Bancshares family.
Headquartered in Louisville, Kentucky, the bank serves Louisville and Prospect, Kentucky, as well as Jeffersonville, Indiana.
- Headquarters
- 500 S 6th St, Louisville, KY 40202
- FDIC certificate
- 26703 ↗
Branches
7 branches in 2 states
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Kentucky
6 branches
Louisville area · 5
- River City Bank, Inc.Main office500 S 6th St, Louisville, KY 40202Directions
- Bardstown Road Branch2501 Bardstown Rd, Louisville, KY 40205Directions
- Greenwood Road Branch6308 Greenwood Rd, Louisville, KY 40258Directions
- Highview Branch7710 Outer Loop, Louisville, KY 40228Directions
- Middletown Branch14000 Shelbyville Rd, Louisville, KY 40245Directions
Jeffersontown area · 1
- Jeffersontown Branch10130 Taylorsville Rd, Jeffersontown, KY 40299Directions
Indiana
1 branch
- Jeffersonville Branch3511 E 10th St, Jeffersonville, IN 47130Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.02% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio11.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.02%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of River City Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.