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5-Star Rating

Tuesday, June 20, 2023

5-Star River City Bank

Because Who You Bank With Matters

Rome, GA – June 2023: BauerFinancial, Inc., the Nation’s Premier Bank Rating Firm, proudly acknowledges that River City Bank has earned its highest, 5-Star rating for financial strength and stability for 21 consecutive quarters. This latest rating was assigned in June 2023 based on March 31, 2023 financial data and signifies that River City Bank continues to be one of the strongest banks in the nation.

“Bank with an institution that you can trust will be there for you when you need it,” suggests Karen Dorway, president of BauerFinancial. “We’ve all seen what can happen. Banks that are not well-rounded can run into trouble in a very short time. BauerFinancial’s star-ratings take into account a broad range of current and historical data to minimize that risk. That’s one way River City Bank’s 5-Star status differentiates it from other banks you may have heard about in the news… because who you bank with does matter.”

That includes banks like River City Bank. Since its inception in 2006, River City Bank has been a dedicated mainstay in this community. With a solid track record behind it, River City Bank has displayed the strength and fortitude to continue pressing forward in the same discerning manner that it has for the past 17 years.

Visit rivercity.bank.

River City Bank: “Expect more.”

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at bauerfinancial.com.

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BauerFinancial, Inc. P.O. Box 143520, Coral Gables, FL 33114     bauerfinancial.com

River City Bank’s Union County Retail Team Is Complete

downtown Blairsville

Monday, June 6, 2022

 

River City Bank is pleased to announce the hiring of three new team members, completing their local retail banking team in Union County. The bank’s full-service Blairsville Office is scheduled to open June 13th at 206 Highway 515.

Amanda Goode, Stephanie Miller, and Austin Pattee have joined River City Bank’s full-service Blairsville Office as Universal Bankers. They will be responsible for establishing and cultivating customer relationships, including processing banking transactions, and opening deposit accounts. As Universal Bankers, they are equipped to handle a wide range of customer-related responsibilities and can manage customer requests from beginning to end.

With over ten years of customer service and cash handling experience, Amanda Goode most recently worked as a teller and branch banker at a financial institution where she opened accounts, processed loans, and made referrals to other lines of business within the bank. Amanda’s enthusiastic personality and customer-focused mentality are qualities that will serve customers well in Union County.

Stephanie Miller has fourteen years of supervisory experience with the most recent five years at a financial institution. She was responsible for training and supervision of tellers, daily branch operations, as well as adherence to all security procedures. Her aptitude for problem solving as well as her attention to detail make her a great fit to lead River City Bank’s Union County teller team.

Austin Pattee is a Blairsville native with four years of experience in customer service, most recently serving as a teller at a financial institution. His affinity for numbers and finance as well as his lifelong tie to the Blairsville area will be an asset for River City Bank.

Amanda, Stephanie, and Austin will be joining Katie Mashburn as members of the bank’s retail team. This dynamic group of individuals will provide our customers in Union County with high-touch client focused service which is at the heart of River City Bank’s mission.

Scott Nanney, Blairsville Market President expressed, “Amanda, Stephanie, and Austin are great additions to our team of local bankers here in Union County. They each exemplify the core values of River City Bank and will be true financial partners to our clients.”

“I feel very fortunate to lead such a talented team at River City Bank,” said Eric Collins, Branch Manager of the bank’s Blairsville Branch. “They each bring new connections and valuable market knowledge that will continue to solidify the strong foundation we are building in Union County.”  

Rhonda Wallace Joins River City Bank as VP, Commercial Relationship Manager

Monday, October 2, 2023

River City Bank is pleased to announce the addition of Rhonda Wallace as Vice President, Commercial Relationship Manager. In this role, Ms. Wallace will be responsible for cultivating loan and deposit relationships while offering other banking services and solutions to prospective business and consumer clients.

With over 40 years of banking experience in the Rome-Floyd County community, Ms. Wallace brings a wealth of knowledge and leadership to her new role. Throughout her career, she has earned a reputation as a highly respected and trusted banking professional with expertise in consumer and commercial lending, residential construction, and residential mortgage. Rhonda possesses strong business development skills and enjoys building meaningful, long-lasting customer relationships.

“Rhonda is a seasoned community banker,” stated Jamie Tallent, President and CEO of River City Bank. “She has a passion for people and the Rome-Floyd County community. I’m excited to welcome Rhonda to the River City team. As a community-focused financial institution, Rhonda’s addition supports our core values, our commitment to consistently providing excellent customer service, and our relationship-based banking philosophy of meeting the personal and business banking needs of the citizens in our local communities.”

Ms. Wallace is a lifelong resident of Rome and Floyd County, with her commitment to our community running deep. She currently serves as a board member for the Children’s Open Door Home, Atrium Health Floyd Management, the Rome Exchange Club, the Coosa Valley Fair Association, and The Republican Women. She is the past Chair of the Rome-Floyd County Planning Commission and a past board member of the Rome-Floyd Chamber.

As an elected member of the Floyd County Board of Commissions, Ms. Wallace currently serves as Chairman of the Elected Officials Committee. She also serves as an alternate on the Public Safety Committee, is a member of the Rome-Floyd SPLOST Overview Committee, a member of Keep Rome-Floyd Beautiful, a member of the Transportation Policy Committee, and a board member of the Sarah Hightower Regional Library.

Ms. Wallace has earned numerous accolades and awards throughout her career, including The Heart of the Community Award, the Woman of Excellence Award, and the Wesley Johnson Leadership Award of Merit, just to name a few. She is a Rome-Floyd Chamber Leadership Rome graduate and was named the first recipient of the Ambassador of the Year Award from the Chamber.

Ms. Wallace and her husband, Ronnie Wallace, reside in Rome and have been married for 30 years. Together, they have three children and six grandchildren. They are members of West Rome Baptist Church.

Matt Robbins Joins River City Bank as Executive Vice President, Chief Banking Officer

Monday, October 16, 2023

River City Bank is pleased to announce the addition of Matt Robbins as Executive Vice President, Chief Banking Officer. In this role, Robbins will be an integral part of the Company’s executive management team. His responsibilities will include organizing, planning, and strategically directing the activities of retail, deposits, commercial lending, treasury management, Fintech, and marketing functions of the bank. Robbins will assist in developing and implementing short-term and long-term financial objectives and executing strategic business goals. He will be responsible for the corporate sales culture and the consistent execution of the Company’s sales strategies. Robbins will also supervise the overall customer experience while driving dynamic relationship growth and ensuring enterprise-risk management.

With over 15 years of experience in community banking, Robbins brings expertise in special assets management, SBA lending, commercial lending, loan administration, portfolio management, as well as executive management. Robbins is a graduate of the Louisiana State University Graduate School of Banking, where he earned special recognition for outstanding performance in Bank Management. He holds a Bachelor of Science in Consumer Economics from The University of Georgia, where he played baseball for four years.

“I’m thrilled to welcome Matt Robbins to the River City Bank team,” stated Jamie Tallent, President and CEO of River City Bank. “He will add tremendous value to the leadership team, and I am confident he will provide invaluable insight in helping us achieve the Company’s strategic goals. Matt is an experienced leader in the banking industry and exemplifies the core values of River City Bank. I look forward to forging a long-term partnership with Matt.”

Robbins is actively involved in the communities we serve. He is a 2014 graduate of Leadership Rome and a 2012 graduate of Leadership Calhoun-Gordon County. Robbins currently serves on the board of the Rome Area Fellowship of Christian Athletes and the Calhoun-Gordon County Community Foundation. He is a Champion Board Member for Extra Special People, Inc. (ESP).

“I am honored to join such a fine group of community bankers and could not be any more excited to be on the River City Bank team,” said Robbins. “I began banking in Northwest Georgia over 15 years ago and I am grateful that RCB has provided me an opportunity to continue that. I look forward to being part of the continued success of River City Bank, a financial institution with great people in an exceptional community.”

Robbins is a native of Calhoun, Georgia where he resides with his wife, Keri, and their three children: Ryan (9), Greer (8), and Beau (4). They are passionate Georgia Bulldog and Braves fans and enjoy snow skiing in their free time. 

Rachel Harris Joins River City Bank as Vice President, Director of Treasury Management Services

Monday, October 16, 2023

River City Bank is pleased to announce the addition of Rachel Harris as Vice President, Director of Treasury Management Services. In this new role, Ms. Harris will manage all aspects of River City Bank’s Treasury Management line of business, overseeing the organization, planning, and strategic direction of all Treasury Management services. She will also be responsible for all internal and external sales strategies, including customer and prospect identification, analysis, and proposals. Ms. Harris will manage all efforts on payment strategies and technology innovation related to Treasury Management. She will lead the customer onboarding process and the operational support team, ensuring an exceptional customer experience.

Ms. Harris brings over three decades of banking experience to this role, specializing in project management, deposit operations, retail banking, compliance, and information security. She is a results-driven, banking professional with a successful track record of leading teams to deliver exceptional customer service. Ms. Harris is a graduate of the Georgia Banking School at the University of Georgia, as well as the Graduate School of Banking at the University of Wisconsin, where she earned a Certificate in Executive Leadership Experience.

“Rachel Harris is an excellent addition to our River City Bank team,” stated Jamie Tallent, President and CEO of River City Bank. “Having someone to lead our Treasury Management line of business is integral to the continued growth of our Company, and with Rachel’s strong banking background, I am confident that she will exceed our customers’ expectations, working with them on an individual basis to provide effective treasury solutions to help them reach their business goals.”

River City Bank’s Treasury Management Services provides tailored solutions to help businesses manage their cash flow efficiently and securely. From local customer support to business digital banking and fraud prevention tools, RCB’s treasury management services are customized to meet the unique needs of your business. Some of their solutions include remote deposit capture, ACH origination, online wire origination, and Positive Pay.

Ms. Harris is a former Board Member of United Way of Gordon County, where she served on the Executive Officer Committee. Ms. Harris previously served as a member of the March of Dimes Committee for Gordon County and is a graduate of Leadership Calhoun-Gordon County. “I am thrilled to be joining River City Bank to continue my career as a community banker,” said Ms. Harris. “I look forward to making a difference for bank customers and the communities we serve.”

Ms. Harris is a lifelong resident of Gordon County, where she resides with her husband. She attends Rockbridge Community Church, serving on several of their teams. In her free time, she enjoys singing and running.

Terri Ainsworth Joins River City Bank as Vice President, Mortgage Loan Officer

Tuesday, October 17, 2023

River City Bank is pleased to announce the addition of Terri Ainsworth as Vice President, Mortgage Loan Officer. In this role, she will be responsible for originating both conventional and government-sponsored residential mortgage loans for the secondary market.

Ms. Ainsworth joins the River City Bank team as a veteran banker, bringing over 20 years of mortgage lending experience to her role. She is a graduate of Model High School and attended Kennesaw State University. Ms. Ainsworth was voted by her peers as Best Mortgage Lender in the “Best of Rome” awards presented by the Rome News Tribune for three consecutive years in 2020, 2021, and 2022.

“I am proud to welcome Terri Ainsworth to the River City Bank team,” stated Jamie Tallent, President and CEO of River City Bank. “She is a highly experienced mortgage banker with years of experience in all facets of the mortgage industry. Terri’s commitment to consistently providing best-in-class customer service while offering sound advice for the right mortgage solution for customers aligns with our mission of helping our consumers throughout the region achieve their financial goals. I am confident that Terri will be an excellent addition to River City Bank.”

Ms. Ainsworth is a lifelong resident of Rome and Floyd County and remains active in the communities we serve. She is a member of the Greater Rome Board of Realtors, serving as the current Chairperson of Community involvement. Ms. Ainsworth is a board member of the Children’s Museum of Rome and the North Broad Youth Center, the Chairperson of the Terrific Kids Program, and the past Director and Treasurer for the Rome Noon Optimist Club.

“I am excited to join the team of community bankers at River City Bank,” said Ms. Ainsworth. “I have lived in the Rome area my whole life, and I look forward to continuing to help my neighbors achieve their dreams of homeownership.” With a passion for volunteering her time, Ms. Ainsworth proudly supports Extra Special People Inc. (ESP), Keep Rome-Floyd Beautiful, the Sexual Assault Center, and Floyd Against Drugs.

Ms. Ainsworth and her husband, Edwin Ainsworth, reside in Rome and have been married for 39 years. Together, they have two daughters and five grandchildren. They are active members of Pleasant Valley South Baptist Church. In her free time, she enjoys traveling, music, and riding jet skis at the lake.

River City Bank Announces Officer Promotions

Monday, November 20, 2023

River City Bank is proud to announce the promotions of Angie Beard to Senior Vice President, Senior Personal Banker, and Kathi Watson to Vice President, Mortgage Loan Officer.

Angie Beard has been an integral part of River City Bank since 2006, joining the team as one of its first employees. Over the past seventeen years, her contributions have played a significant role in the company’s success. With over 40 years of community banking experience and a lifelong resident of Rome and Floyd County, she has established herself as a highly trusted and respected banking professional.

Ms. Beard serves on the board of directors as Treasurer for the Heart of the Community Foundation, is actively involved with the Rome Floyd Chamber, and was recently voted by her peers as the 2023 Best Banker in the “Best of Rome” awards presented by the Rome News Tribune. In her free time, she enjoys spending time with her family, playing with her six grandchildren, and taking trips to the beach. 

Kathi Watson joined River City Bank in 2008, serving in several key positions before joining the mortgage lending team in 2017. Having excelled throughout her fifteen years with RCB, she is best known for delivering exceptional and personable service to clients looking to purchase or refinance their homes.

Ms. Watson serves on the board of directors as 2nd Vice President of the Coosa Valley Fair Association, is a board member and Secretary for the Exchange Club of Rome, and the Fine Arts Director of the Coosa Valley Fair. She is a member of the Rome Board of Realtors Association and was recently voted by her peers as the 2023 Best Mortgage Lender in the “Best of Rome” awards presented by the Rome News Tribune. In her free time, Ms. Watson enjoys knitting, DIY projects, crafts, furniture refinishing classes, and giving back to her communities through volunteer service.

“Both Angie and Kathi exemplify our “Expect More” standard for community banking,” stated Jamie Tallent, President and CEO of River City Bank. “Their dedication to providing personalized service and building meaningful relationships with our customers is truly commendable, and we are pleased to recognize their longtime commitment to River City Bank through these worthy promotions.”

Holiday Fraud Prevention

Monday, December 18, 2023

With the holiday season upon us, it is crucial to remain vigilant against scams and fraud. Protect yourself and your loved ones this season by reviewing the fraud prevention tips below.

Fraud Trend Spotlight: Vishing And Smishing
Voice phishing, or vishing, is a tactic where criminals utilize phone calls to trick victims into providing personal or financial information by posing as their financial institution or other trusted organizations. The same idea goes for smishing, where messages are sent out as scam SMS texts or via various messaging apps, such as WeChat, WhatsApp, Facebook Messenger, and others. In both instances, criminals will look to build a rapport with their victims to encourage or coerce them into sharing sensitive details.

Legitimate services like Voice Over IP (VoIP) may be used by criminals to conduct such schemes. The use of VoIP makes it easier for bad actors to create fake numbers that are nearly impossible to track. In some instances, services may have capabilities to allow actors to create numbers local to the victim’s location to make them look more realistic. Actors may also use a method known as Caller ID Spoofing to display a number or identity of an individual or organization that the user already knows and trusts.

To prevent yourself from becoming a victim, education is critical to prevention. Below are some recommendations to adopt to minimize the effect of social engineering and scams.

  • Stay alert when receiving texts or phone calls from random numbers.
  • Check phone numbers from the actual store, financial institution, or delivery website. In addition, verify a suspicious caller by hanging up and calling a number from the website of the supposed organization.
  • Do not click any links from texts you randomly receive.
  • Take any questions regarding orders or deliveries you conducted to the phone number from the company website or from the initial confirmation email the cardholder received after placing the order.
  • Never reveal one-time passcodes to anybody when no cardholder-initiated transactions or inquiries occur.
  • AI Voice creation has come a long way in the last year. If you receive a phone call from a family member who is in immediate danger and they are requesting a ransom or personal information, please attempt to call your family member or other individuals involved with this family member to be sure they are safe.
  • Urgent and Authoritative behavior are common fraud techniques used to make the victim fall into a state of fear or anxiety.

Additional Precautions During the Holiday Season Include:

  • Only use legitimate sites when shopping online (when an offer is too good to be true, it probably is.)
  • Cardholders should always use a secure network.
  • Be leery of skimmers (use Near Field Communication whenever possible.)
  • Limit what information you share online. Your security questions associated with your accounts can be guessed with personal clues shared by the consumer.
  • Always review and check your statements and credit reports.

Education can be the key to preventing fraud. Stay safe and enjoy your holiday season with peace of mind! 

*This article was published by FIS in December 2023.

Beneficial Ownership Information

Wednesday, January 10, 2024

 An Introduction to Beneficial Ownership Information Reporting

In 2021, Congress enacted the Corporate Transparency Act. This law creates a beneficial ownership information reporting requirement as part of the U.S. government’s efforts to make it harder for bad actors to hide or benefit from their ill-gotten gains through shell companies or other opaque ownership structures.

New Federal Reporting Requirement for Beneficial Ownership Information (BOI)

As of January 1, 2024, many companies in the United States were required to start reporting information about their beneficial owners, i.e., the individuals who ultimately own or control the company. They will have to report the information to the Financial Crimes Enforcement Network (FinCEN). FinCEN is a bureau of the U.S. Department of the Treasury.

Who Has to Report?

Companies required to report are called reporting companies. Reporting companies may have to obtain information from their beneficial owners and report that information to FinCEN.

Who Does Not Have to Report?

Twenty-three types of entities are exempt from the beneficial ownership information reporting requirements. These entities include publicly traded companies, nonprofits, and certain large operating companies.

How Do I Report?

Reporting companies will have to report beneficial ownership information electronically through FinCEN’s website: www.fincen.gov/boi

  • The system will provide the filer with a confirmation of receipt once a completed report is filed with FinCEN.

When Do I Report?

  • If your company was created or registered prior to January 1, 2024, you will have until January 1, 2025, to report BOI.
  • If your company was created or registered on or after January 1, 2024, and before January 1, 2025, you must report BOI within 90 calendar days after receiving actual or public notice that your company’s creation or registration is effective, whichever is earlier.
  • If your company was created or registered on or after January 1, 2025, you must file BOI within 30 calendar days after receiving actual or public notice that its creation or registration is effective.
  • Any updates or corrections to beneficial ownership information that you previously filed with FinCEN must be submitted within 30 days. FinCEN cannot accept reports before January 1, 2024.

What penalties do individuals face for violating BOI reporting requirements?

  • A person who willfully violates the Beneficial Ownership Information reporting requirements may be subject to civil penalties of up to $500 for each day that the violation continues.
  • That person may also be subject to criminal penalties of up to two years imprisonment and a fine of up to $10,000.
  • Potential violations include willfully failing to file a beneficial ownership information report, willfully filing false beneficial ownership information, or willfully failing to correct or update previously reported beneficial ownership information.
  • For additional information regarding penalties, visit https://www.fincen.gov/boi-faqs.

Where Can I Learn More?

You can find guidance materials and additional information by visiting the following:

*This article was published in December 2023 by the U.S. Department of the Treasury Financial Crimes Enforcement Network

Matthew Goldin Promoted to AVP, Senior Credit Analyst

Monday, February 12, 2024

River City Bank is pleased to announce the promotion of Matthew Goldin to Assistant Vice President, Senior Credit Analyst. Since joining River City Bank in 2015, Goldin’s outstanding work ethic and commitment to excellence have made a significant impact on the bank’s credit department.

“Matthew plays a vital role in our credit team, demonstrating remarkable growth in the last several years,” stated Jonathan Jones, SVP and Senior Credit Officer at River City Bank. “He is committed to his work, consistently delivering thorough and efficient results. This promotion reflects his dedication and the significant value he brings to our team.”

“We are thrilled to announce Matthew Goldin’s well-deserved promotion,” stated Jamie Tallent, President and CEO of River City Bank. “His strong comprehension of the credit analyst role and exceptional performance in all areas have been outstanding. This promotion is a testament to his skills and commitment to River City Bank, and I look forward to witnessing his continued growth and success.”

Goldin received his Bachelor of Science Degree in Finance and Economics from Berry College. “I have been with River City Bank for nearly a decade now, and I’m proud to be a part of this tight-knit team and community,” said Goldin. “We have an incredible group of bankers who drive us forward and cultivate a strong sense of community here. I’m thrilled to be a part of an ever-growing team and look forward to all the new challenges in this role and beyond.”

Goldin and his wife, Kelly, reside in Rome with their two-year-old son, Levi, and their dog, Molly. They are active members of Rome First United Methodist Church and look forward to welcoming a baby girl to their family this summer. In his free time, Goldin enjoys spending time outdoors with friends and family, taking on home improvement projects, attending Rome Little Theatre Shows, and cheering on the Atlanta Braves.