Business Details
50+ Years
experience
Emergency
services
Trusted Commercial Banking Solutions in Sacramento, CA
River City Bank has redefined commercial banking since 1973 through a client-first approach combining local expertise with national capabilities. Our relationship managers serve as strategic partners, leveraging deep industry knowledge in sectors like agribusiness, healthcare, and clean energy to deliver tailored financial solutions. With over $5 billion in assets and eight branches across California, we maintain a boutique banking model that emphasizes rapid decision-making and personalized service. Our team of certified professionals brings decades of collective experience in commercial lending, real estate financing, and cash management tools.Recognized as the #6 bank nationally by Bank Director in 2025, we maintain FDIC insurance while sustaining a legacy of innovation that began with Saturday banking and drive-through services in the 1970s. Through 5,000+ volunteer hours supporting Sacramento-area organizations, we demonstrate our commitment to both financial excellence and community development.
Services
Commercial Loans
Real Estate Financing
Cash Management
Deposit Services
Clean Energy Financing
Details
- Year established: 1973
Highlights and features
- We offer 50+ years of commercial banking expertise with local decision-making authority
- Our relationship managers provide industry-specific expertise in 10+ specialized sectors
- Ranked #6 bank nationally by Bank Director for 2025
- 24/7 emergency card replacement services available
- We maintain a conservative credit culture with LTV typically 50% or less
Associations and certifications
- FDIC
What people say
Rapid response times
Industry-specific expertise
Local decision-making
Conservative lending practices
Clean energy focus
Services
Commercial Real Estate Loans
River City Bank provides fixed-rate commercial real estate loans with terms up to 10 years. Our financing solutions support property acquisition and refinancing for industrial, multi-family, and commercial properties. With local decision-making authority, we offer competitive rates and conservative lending practices that prioritize long-term client success.
Clean Energy Financing
Our dedicated clean energy division offers project financing for renewable energy initiatives ranging from $5M to $50M. We support construction and operation phases of midsize to utility-scale projects, including solar installations and energy efficiency upgrades. Our expertise helps clients navigate industry-specific financial requirements and regulatory frameworks.
Cash Management
We deliver comprehensive cash management tools including lockbox services and accounts receivable automation. These solutions help businesses streamline financial operations, improve cash flow visibility, and reduce administrative burdens. Our systems integrate seamlessly with commercial lending and deposit services for holistic financial management.
Commercial Lending
Our commercial lending services support business growth through tailored loan products for working capital, equipment purchases, and expansion projects. Relationship managers provide industry-specific expertise across 10+ sectors, ensuring loan structures align with each client's unique operational needs and growth objectives.
Deposit Services
We offer a full range of deposit solutions for businesses including checking accounts, savings products, and specialized deposit accounts. Our services integrate with cash management tools to provide comprehensive liquidity management, supported by relationship managers who understand each client's industry-specific requirements.
People
Steve Fleming
President & CEO
Steve Fleming leads River City Bank with a focus on client-centric banking and community development. He champions the bank's 'Above and Beyond Banking' philosophy while maintaining its position as Sacramento's largest independent bank.
Dan Franklin
Director of Commercial Real Estate
Dan Franklin heads the commercial real estate division, bringing extensive experience in structuring complex transactions. He leads a team that has closed billions in CRE loans across multiple property types nationwide.
Rosa Cucicea
Director of Clean Energy and Public Sector Banking
Rosa Cucicea oversees the bank's clean energy financing division. With deep expertise in renewable energy projects, she has helped establish River City Bank as a leading financier for sustainability initiatives across California.
Dawn Weisz
Client Representative
Dawn Weisz, CEO of Marin Clean Energy, serves as a client representative. Her experience highlights the bank's commitment to supporting clean energy innovation through responsive and reliable financial services.
Ted Bardacke
Client Representative
Ted Bardacke, Executive Director of Clean Power Alliance, represents client interests at River City Bank. His insights help shape the bank's clean energy financing solutions to better meet industry-specific needs.
Questions
What commercial banking services do you offer?
We provide commercial loans, real estate financing, cash management solutions, and deposit services tailored to business needs across multiple industries.
How does your loan approval process work?
Our local decision-makers typically provide same-day responses, with fixed rates locked at application for 90 days through our streamlined approval process.
Which industries do you specialize in?
We specialize in agribusiness, clean energy, commercial real estate, construction, healthcare, and eight additional industry sectors with dedicated relationship managers.
Do you offer 24/7 banking services?
Lost or stolen card reporting is available 24/7, while standard customer service operates during regular business hours at our locations.
What areas do you serve?
We serve clients throughout California, Texas, Mountain States, and the Pacific Northwest with local offices in key business centers.
How are you different from larger banks?
We combine big-bank capabilities with boutique-bank personalization, maintaining conservative lending standards and local decision-making authority.
