Question 1

What is River Valley Community Bank?

Accepted Answer

River Valley Community Bank is a California state-chartered community bank specializing in business banking services for small to middle-market businesses, nonprofits, and agricultural contractors in Northern California. With approximately $679 million in total assets and 5 branches, the bank operates as a subsidiary of River Valley Community Bancorp (OTC Markets: RVCB), a publicly-traded holding company.

The bank has earned recognition as a "5-Star Superior" institution by Bauer Financial and has been named an "Exceptional Bank" by the Findley Report, reflecting its strong financial standing and commitment to personalized service.

Question 2

When was River Valley Community Bank founded?

Accepted Answer

River Valley Community Bank was founded on June 26, 2006, in Yuba City, California, with initial capital of $13.7 million. The bank was established to serve the local business community in the South Sacramento Valley and Sierra Foothills region.

John I. Jelavich was appointed as the founding President and CEO, with Karen S. Hart as Chief Financial Officer and Douglas R. Marr as Chief Credit Officer. The bank originally operated from a temporary location at 800 Plumas Street in Yuba City before moving to its permanent headquarters at 1629 Colusa Highway in November 2006.

In June 2017, the bank completed a reorganization to form River Valley Community Bancorp as a bank holding company, providing additional flexibility for growth and market opportunities.

Question 3

Where is River Valley Community Bank headquartered?

Accepted Answer

River Valley Community Bank is headquartered at 1629 Colusa Avenue, Yuba City, California 95993. The headquarters is located in Sutter County, within the Yuba City metropolitan area.

Question 4

Where does River Valley Community Bank operate?

Accepted Answer

River Valley Community Bank operates exclusively in Northern California, focusing on the South Sacramento Valley and Sierra Foothills regions. The bank currently serves customers from 5 branch locations:
• Yuba City - 1629 Colusa Avenue (headquarters and main branch)
• Grass Valley - 580 Brunswick Road
• Auburn - 905 Lincoln Way
• Marysville - 904 B Street
• Roseville - 2901 Douglas Boulevard, Suite 140 (opened mid-2025)

The bank's service area includes Sutter County, Nevada County, Placer County, and Yuba County, with a sixth full-service branch opened in Roseville in 2025.

Question 5

What services does River Valley Community Bank offer?

Accepted Answer

River Valley Community Bank provides comprehensive business banking products and services tailored to commercial clients, including:

Deposit Accounts: Business checking accounts, savings accounts, certificates of deposit (CDs), and IRA accounts.

Lending Products: Commercial loans and lines of credit, agricultural real estate and land development loans, agricultural operating loans and lines, construction loans, SBA 504 loans, consumer term loans, and home equity lines of credit.

Digital Banking Services: Online banking and bill payment, mobile banking with text message alerts, remote deposit capture, ACH origination, electronic statements, and mobile banking applications.

Treasury Management: Payroll services, merchant card processing, wire transfers, overdraft protection, and cash flow management solutions.

Additional Services: Debit cards, credit cards, ATM access, drive-up teller windows, safe deposit boxes, notary services, night depository, and direct deposit.

The bank's online platform provides secure, convenient access to accounts and services 24/7.

Question 6

What makes River Valley Community Bank unique?

Accepted Answer

River Valley Community Bank distinguishes itself through a relationship-driven approach that emphasizes personal service over automated interactions. The bank's tagline, "business banking on a first-name basis," reflects its commitment to knowing customers personally and providing dedicated, one-on-one support.

Personalized Service Philosophy: Unlike larger banks that increasingly rely on chatbots and AI for customer service, River Valley Community Bank maintains human-centered banking with relationship managers who understand local market conditions and business needs.

Award-Winning Performance: The bank has earned recognition as a "5-Star Superior" institution by Bauer Financial and an "Exceptional Bank" by the Findley Report, demonstrating exceptional financial strength and operational excellence.

Community Focus: As a truly locally-owned community bank, River Valley Community Bank invests in the prosperity of Northern California businesses and communities, with leadership and staff who live and work in the areas they serve.

Tailored Solutions: The bank customizes banking solutions rather than forcing businesses into standardized product offerings, providing flexible approaches that adapt to unique business requirements.

Question 7

What type of financial institution is River Valley Community Bank?

Accepted Answer

River Valley Community Bank is a state-chartered commercial bank supervised by the California Department of Financial Protection and Innovation (DFPI) and the Federal Deposit Insurance Corporation (FDIC). It is classified as a state charter bank and Fed nonmember institution under FDIC Certificate #58276.

As a commercial bank, River Valley Community Bank focuses primarily on business banking rather than retail consumer banking. The bank specializes in serving small to middle-market businesses, professional service firms, agricultural operations, and nonprofit organizations.

The bank operates as a subsidiary of River Valley Community Bancorp, a bank holding company whose shares trade on the OTC Markets under the ticker symbol RVCB.

Question 8

What is the bank's routing number?

Accepted Answer

River Valley Community Bank's routing number is 121144324. This nine-digit code is used for processing ACH transfers, wire transactions, direct deposits, bill payments, and other electronic financial transactions within the United States.

Question 9

Who leads River Valley Community Bank?

Accepted Answer

John M. Jelavich serves as President and Chief Executive Officer, a position he has held since the bank's founding in 2006. The executive leadership team includes:
• Luke Parnell - Executive Vice President, Chief Credit Officer and Chief Lending Officer
• Liesl Schmidt - Executive Vice President and Chief Operations Officer  
• Kevin S. Reynolds, CPA - Executive Vice President and Chief Financial Officer

The senior management team includes market managers for key locations and specialists in commercial banking, credit operations, and compliance.

River Valley Community Bank

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About River Valley Community Bank in the United States