Experienced Industry Leaders Committed to Providing Exceptional Service.

Stephen Fleming

President and CEO

Stephen Fleming

President and CEO

Since September 2008, Steve has been President & Chief Executive Officer of River City Bank, the largest and most profitable bank based in Sacramento. Under his leadership, the Bank has increased in size from $800 million to over $4.3 billion in total assets. He has over 40 years of banking experience, including over 20 years with Bank of America in Sacramento and London, England. While with Bank of America, he held a variety of progressively more senior positions, including serving as the head of Loan Originations & Capital Raising and a member of the Executive Committee for the Bank’s Europe, Middle East, and Africa Division.

Prior to joining River City Bank, Steve was the Founder and CEO of Presidio Bank in San Francisco. He was also the President & CEO of National Bank of the Redwoods in Santa Rosa.

Steve has been a leader in a variety of charitable activities over the years, including currently serving as a board member for the Kelly Foundation. He is also on the board of the Greater Sacramento Area Economic Council, a member of the Sacramento Host Committee, past President of the Sacramento chapter of Lambda Alpha, the honorary society for the advancement of land economics, and past President of the Capital Region Family Business Center.

Steve received a BA in Economics from the University of California at Davis and was awarded membership in the Phi Beta Kappa honor society. He also completed his MBA at the University of California at Berkeley.

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Pat Lewis

Chief Operating Officer

Pat Lewis

Chief Operating Officer

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As Executive Vice President, Chief Operating Officer, Pat utilizes her more than 30 years of financial services experience to manage the Bank’s operations, ensuring compliance with policies and procedures, and maintaining the premier level of client services upon which River City Bank has established its reputation. Pat has over 20 years of experience with River City Bank, having held such positions as Senior Vice President, Commercial Banking Director and Vice President, and Cash Management Director. Pat has built a highly successful career based on hard work, great people skills, and the overwhelming desire to provide exceptional client service.

Pat holds a BS from Texas A&M University and an MBA from Baylor University. Raised in Texas, California is home. Pat is active in the community and is currently serving on the Programs Committee of the Capital Region Family Business Center. She performs volunteer work benefitting U.S. veterans and is a youth sports advocate. When she is not busy at work, she and her husband enjoy spending quality time with their son.

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Pat McHone

Chief Credit Officer

Pat McHone

Chief Credit Officer

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As Chief Credit Officer Pat McHone has been an integral member of River City Bank’s Executive Team since 2008. In this role Pat is responsible for all aspects of overseeing loan production and credit quality for the Bank’s portfolio of consumer, business banking, and commercial real estate loans.

With more than 30 years of experience, his banking career includes 16 years as Senior Vice President and Sacramento Valley Region Manager at Mechanics Bank and 7 years at Security Pacific Bank.

Pat is a member of the Sacramento Chapter of Lambda Alpha International. He serves on the board of Housing Trust Placer, a nonprofit organization focused on providing grants and loans to affordable housing developers. He received a BS in Business Administration from Menlo College, School of Business Administration.

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Dan Franklin

Director of Commercial Real Estate

Dan Franklin

Director of Commercial Real Estate

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Dan Franklin is responsible for managing River City Bank’s commercial real estate origination activity throughout the western United States. Dan joined River City Bank in 2008 and has also held the positions of Relationship Manager, Business Development Officer, and Commercial Banking Director. With a heavy focus on client service, strong analytical skills, and an in-depth understanding of the Bank’s culture, Dan has been instrumental to the Bank’s rapid growth over the past several years. Before joining River City Bank Dan was a Relationship Credit Manager at Presidio Bank in San Francisco.

Dan received his undergraduate and MBA degrees from the University of California, Davis and is a recipient of the Chartered Financial Analyst designation.

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Rosa Cucicea

Director of Clean Energy Division

Rosa Cucicea

Director of Clean Energy Division

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As Senior Vice President and Director of the Clean Energy Division, Rosa is responsible for growing River City Bank’s services for clean energy companies. Under her stewardship the Bank has become a clean energy leader in California by serving a majority of the state’s Community Choice Aggregators (CCAs), financing renewable energy projects, and supporting other local sustainability efforts. Rosa joined River City Bank in 2014 and has also held the positions of Cash Management Representative, Credit Analyst, and Relationship Manager prior to establishing the Bank’s Clean Energy Division in 2018.

Rosa graduated with honors from the University of California, Davis with a bachelor’s degree in Economics and obtained an MBA from the Berkeley Haas School of Business in 2023.

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Jeremy Spencer

Director of Risk Management

Jeremy Spencer

Director of Risk Management

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As Senior Vice President, Director of Risk Management, Jeremy Spencer oversees the Compliance, Information Security, and Internal Audit departments. In addition, he is the Executive Lead for the Audit Committee and Compliance Committee.

Prior to River City Bank, Jeremy was a Senior Manager with KPMG LLP U.S., where he spent five years providing audit services, Sox404 compliance consulting, and SEC reporting services to clients in the financial services industry. Other industries served included agriculture, property management, and government.

He attended California State University, Chico, earning bachelor’s degrees in Business Administration (emphasis in Accounting) and in Spanish. Jeremy loves to travel and enjoys the outdoors with his wife and two sons.

Tony Eyer

Director of Information Technology

Tony Eyer

Director of Information Technology

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As Senior Vice President, Director of Information Technology, Tony utilizes his 20 years of IT experience to provide leadership for the continued growth of an innovative, stable, and secure information technology environment throughout the Bank.

Tony spent 18 years with Rabobank, N.A., where he served in various IT roles, but most notably as Chief Technology Officer for the California region. Immediately following Rabobank, N.A. he served as Chief Technology Officer for Mechanics Bank before joining River City Bank.

He earned his MBA in Information Technology Management from Western Governors University. Tony is married, has three daughters, and resides in Roseville. You will find him cheering on his daughters in multiple sports activities or on the golf course working on his putting.

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Rebecca Fabisch Miller

Commercial Banking Director

Rebecca Fabisch Miller

Commercial Banking Director

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Rebecca is an experienced banker who has spent her 30-year career in the Sacramento region. As River City Bank’s Commercial Banking Director she focuses on larger middle-market companies and leads our Commercial Banking Team in expanding and enhancing the Bank’s commercial deposit and lending presence throughout California and the West Coast.

Before joining River City Bank Rebecca held positions with Umpqua Bank, Wells Fargo, U.S. Bank, and Bank of America, managing a diverse portfolio of clients across multiple industries. A solutions-oriented banker, Rebecca has extensive experience with treasury management, real estate, equipment finance, debt capital markets, derivatives, and global and investment banking.

Rebecca earned her MBA from University of California, Davis and has an undergraduate degree in International Business and Marketing from California State University, Sacramento. She is the Treasurer for the California Forest Foundation and has also been involved with many other local charities.

Rebecca is a mother of two boys and enjoys exercising with friends; she has run 16 marathons and even more half-marathons.

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