Bank of Rio Vista

101 Main Street
Rio Vista, CA 94571

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8472
Date Established 1904
Assets $0.21 billion
Loans $0.08 billion
Deposits $0.19 billion
Capital $0.03 billion

Bank of Rio Vista is an FDIC insured institution located in Rio Vista, CA. It was founded in 1904 and has approximately $0.22 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bank of Rio Vista's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Rio Vista’s loan portfolio are Commercial Real Estate, Farm Loans, and Consumer Auto Loans.

Compared to other banks in California, Bank of Rio Vista has a significantly higher percent of Consumer Auto Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.40
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 16.08
Small Business Loans 14.54
Construction and Development Loans 1.17
Commercial Real Estate 46.57
Commercial and Industrial Loans 9.44
Farm Loans 18.02

Deposit Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Bank Of Rio Vista, but see these great savings and CD rates:

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Loan Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank of Rio Vista

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
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5.500 %
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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
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Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
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Note to Bank of Rio Vista
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Branches

Bank of Rio Vista branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
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Bank of Rio Vista Locations


Financial Details

Bank of Rio Vista Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Rio Vista. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Rio Vista U.S. Bank Average
7.32% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Bank of Rio Vista had $2,035,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,182,000 in equity and $1,603,000 in loans loss reserves. That gives it a Texas Ratio of 7.32%.

Return on Equity
Bank of Rio Vista U.S. Bank Average
3.13% 8.80%

Bank of Rio Vista has a Return on Equity of 3.13% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Rio Vista U.S. Bank Average
12.47% 12.29%

Bank of Rio Vista has a Capitalization of 12.47% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Rio Vista Balance Sheet Analysis

As of September 30, 2018, Bank of Rio Vista had assets of $215,538,000, loans of $79,060,000, and deposits of $188,208,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.19 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.19 billion
      % insured (estimated) 77.58%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Rio Vista

Branches and Savings

Is Bank Of Rio Vista FDIC insured?

Yes. It is covered under FDIC Certificate #8472.

Why does Bank Of Rio Vista pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Rio Vista CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Rio Vista a commercial bank?

Yes

Where are Bank Of Rio Vista locations?

See branch locations nearby.

Is Bank Of Rio Vista open on Saturdays?

Is Bank Of Rio Vista open on Sundays?

What time does Bank Of Rio Vista open?

What time does Bank Of Rio Vista close?

Are Bank Of Rio Vista ATMs Open 24/7?

Do Bank Of Rio Vista ATMs accept cash deposits?

Can Bank Of Rio Vista customers use other ATMs?

Do Bank Of Rio Vista branches have notaries?

Will Bank Of Rio Vista notarize my document?

What address for Bank Of Rio Vista should I put for incoming ACH transfers?

Will the Bank Of Rio Vista branch print checks?

Do Bank Of Rio Vista checks expire?

Does Bank Of Rio Vista require US citizenship to open account?

Can Bank Of Rio Vista close my account?

Does Bank Of Rio Vista Report to credit bureaus?

Does Bank Of Rio Vista Use Equifax?

What is Bank Of Rio Vista's ACH Routing Number?

What is Bank Of Rio Vista's SWIFT code?

Products

Does Bank Of Rio Vista offer mortgages?

Compare mortgage rates here.

Does Bank Of Rio Vista offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Rio Vista offer personal loans?

Compare personal loan rates here.

Does Bank Of Rio Vista offer student loans?

Will Bank Of Rio Vista cash a check?

Will Bank Of Rio Vista redeem a savings bond?

Does Bank Of Rio Vista cash savings bonds?

Will Bank Of Rio Vista cash money orders?

Can Bank Of Rio Vista issue a money order?

Does Bank Of Rio Vista do currency exchange?

Background on The Bank

Who owns Bank Of Rio Vista?

How long has Bank Of Rio Vista been around?

Can Bank Of Rio Vista transfer to other banks?

Does Bank Of Rio Vista have quick pay?

Does Bank Of Rio Vista accept rolled coins?

Will Bank Of Rio Vista accept loose change?

Where is Bank Of Rio Vista headquarters?

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