# River City Bank (RCBC) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

River City Bank (RCBC) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: RCBC +97.27%, SPY +81.53%. As of Oct 20, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/RCBC/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=RCBC%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| RCBC | +97.27% | -37.50% | +25.47% |
| SPY | +81.53% | -24.49% | +13.45% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| RCBC | +38.48% | +87.10% | +163.68% | +97.27% |
| SPY | +15.80% | +34.81% | +89.35% | +81.53% |

## Annual

| Year | RCBC | SPY |
|---|---:|---:|
| YTD | +25.47% | +13.45% |
| 2025 | +42.18% | +18.01% |
| 2024 | +38.34% | +25.59% |
| 2023 | -5.50% | +26.73% |
| 2022 | -12.59% | -18.64% |
| 2021 | -2.68% | +5.19% |

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Research context only. Not personalized investment advice.