2025: Positioning RVCB for the Future
FROM THE DESK OF JOHN M. JELAVICH, PRESIDENT & CEO.
September 10, 2025
This has been a big year for River Valley Community Bank. In many ways, 2025 is what I’d call our year of investment — a time when we’re strategically placing the right people, targeting key markets, and leveraging technology to set the stage for ongoing growth in the years ahead.
Our largest single investment is the new Roseville branch, but it’s part of a much larger strategy. We’ve expanded our team with seasoned relationship managers in Yuba City, Marysville, and Grass Valley. These hires aren’t newcomers to the industry — they have established careers in our markets, seen RVCB from the outside, and joined us because they believe in our vision and share our passion for community banking.
In addition to talent, we’ve made deliberate investments in technology and marketing to enhance our customer experience and effectively communicate our story. While these investments will increase our expenses, we anticipate they will drive higher deposit and loan volumes over time, crucial for our profitability, growth, and increased shareholder value.
Progress So Far in 2025
- Roseville Branch: Our largest single investment, on track and moving forward.
- Team Growth: Experienced relationship managers added in Yuba City, Marysville, and Grass Valley.
- Technology Upgrades: A redesigned website and more efficient tools and systems in-branch.
- Marketing & Storytelling: From video testimonials to educational articles, we’re ensuring more people know what we stand for.
Why Now?
In our nearly 20 years of operation, we have built a solid reputation for serving our communities and providing true relationship banking. Industry consolidation has left us as one of the few community banks still dedicated to these markets, which gives us a unique responsibility and opportunity. Our geographic footprint is strong, and our full-service branches position us for continued growth.
Our Board and our management team are aligned on this next phase. While short term earnings may not be as strong, we cannot stay stagnant in our market. To grow, we have to move.
Our goal is to surpass $1B in assets and deliver value to our shareholders through the ongoing delivery of relationship oriented customer service we’re known for. What we’re doing today is positioning RVCB to achieve that goal.
We have a lot of work underway and ahead, but it’s not unfamiliar to us. We have done this before — from growing our first branch in Yuba City to what will soon be our fifth in Roseville. Today, our team is stronger than ever, and I’m confident in our ability to execute our plans. The markets we serve hold significant opportunities, and we are positioned to deliver the kind of relationship banking our customers count on. We have a lot to be excited about — the best chapters for RVCB are still ahead of us!
Thank you for your continued trust and support.
— John Jelavich
President & CEO
Forward Looking Statements: This document may contain comments and information that constitute forward‐looking statements. Forward‐looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by such statements. Forward‐looking statements speak only as to the date they are made. The Bank does not undertake to update forward‐looking statements to reflect circumstances or events that occur after the date the forward‐looking statements are made.