River City Bank (RCB Corporation) reported a net income of $15.4 million for the second quarter ended June 30, 2025, a decrease from $17.2 million in the same period of 2024. Earnings per diluted share were $10.52, compared to $11.66 in the previous year. For the six months ended June 30, 2025, net income stood at $27.7 million, down from $35.9 million for the same period in 2024, with earnings per diluted share of $18.91 compared to $24.29. The decline in earnings was primarily attributed to accounting for a segment of the Bank's interest rate swap portfolio. Average loans outstanding increased by $478 million over the previous year, enhancing interest income despite a slight decrease in loan yields to 5.38%. The Bank also experienced a $259 million growth in average deposits for the quarter, partly supporting its loan growth. River City Bank's shareholders' equity surpassed the $500 million mark for the first time, reaching $510 million as of June 30, 2025, up from $485 million at the end of 2024. The Bank maintained high levels of liquidity with $964 million in cash and investments and $1.7 billion in available borrowing capacity. The return on equity was 11.1%, and the return on assets was 1.04% for the first half of 2025. Despite a slower loan growth due to reduced borrower demand, the Bank remains well-positioned for future growth. Operational efficiency was strong, with a 36% efficiency ratio for the six months ended June 30, 2025.