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River City BankFRA:YN0 +0.67%60 Equity-to-Asset is 0.10 as of Dec. 2025, which is 11% above its 10-year median of 0.09. GuruFocus rates FRA:YN0 with a GF Score™ of 60/100 and a GF Value™ of €27.47. The stock has 5 warning signs investors should review. Among 1,518 Banks companies, River City Bank ranks worse than 55.6% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. River City Bank's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €467.02 Mil. River City Bank's Total Assets for the quarter that ended in Dec. 2025 was €4,940.09 Mil.
Therefore, River City Bank's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.10.
The historical rank and industry rank for River City Bank's Equity-to-Asset or its related term are showing as below:
FRA:YN0'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.1
Current: 0.09
During the past 10 years, the highest Equity to Asset Ratio of River City Bank was 0.10. The lowest was 0.08. And the median was 0.09.
FRA:YN0's Equity-to-Asset is ranked worse than 55.6% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs FRA:YN0: 0.09
River City Bank (FRA:YN0) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
River City Bank Equity-to-Asset Related Terms
River City Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for River City Bank's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:YN0 vs AROW, CWBC, PFIS: Equity-to-Asset Comparison
For the Banks - Regional subindustry, River City Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
River City Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where River City Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
River City Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
River City Bank (FRA:YN0) has a Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on River City Bank and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, River City Bank's Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, River City Bank ranks #844 out of 1518 companies in the Banks industry, placing it in the top 55.6%.
Is River City Bank's Equity-to-Asset too high?
River City Bank's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. River City Bank's value of 0.10 is 0% at this industry median. Based on the distribution chart, River City Bank ranks #844 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, River City Bank has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does River City Bank's Equity-to-Asset compare to AROW and CWBC?
According to the Banks industry distribution chart, River City Bank ranks #844 out of 1518 companies for Equity-to-Asset. This places River City Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. River City Bank's value of 0.10 is 0% at this benchmark. Historically, River City Bank's own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, River City Bank has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on River City Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is River City Bank stock overvalued right now?
River City Bank (FRA:YN0) has a current Equity-to-Asset of 0.10. The stock's GF Value™ is €27.47, compared to a current price of €45.10 — trading 64.2% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. River City Bank's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For River City Bank (FRA:YN0), the current Equity-to-Asset is 0.10 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is River City Bank (FRA:YN0) Overvalued in 2026?
Based on GuruFocus' analysis, River City Bank stock appears to be overvalued.
The current stock price of €45.10 is trading 64.2% above its estimated GF Value™ of €27.47.
Key valuation signals for FRA:YN0:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: €27.47 vs. price of €45.10 (64.2% above fair value)
Industry Position: 0% at the Banks median (#844 of 1518)
No single metric tells the full story. See the FRA:YN0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
River City Bank is a California state-chartered bank engaged in providing a range of banking services to individuals and businesses in California. The company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are commercial real estate, commercial, agriculture, residential mortgage, and consumer loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate in the Western United States.
60GF Score
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