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River Bank & Trust
Prattville, AL · FDIC Certificate #58255 · Chartered 04/0
Total assets
$4.02B
Total deposits
$3.51B
Total equity
$355.13M
Net loans
$2.82B
Branches (offices)
25
Net income (YTD)
$29.15M
Rank: #335 of 4,213 U.S. banks by assets · #3 of 93 in Alabama. Assets changed 9.0% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 16.87% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 8.84% |
| Tier 1 leverage ratio | 9.23% |
| Uninsured deposits (share of deposits) | 42.9% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 80.5% |
| Real estate loans (share of loans) | 83.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.35B | 83.4% | |
| Commercial & industrial | $335.45M | 11.9% | |
| Consumer / individual | $49.52M | 1.8% | |
| Construction & development | $263.30M | 9.3% | |
| Agricultural | $87.82M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.50B | $2.29B | $16.07M | $172.68M |
| Jun 2023 | $3.08B | $2.68B | $13.28M | $197.36M |
| Jun 2024 | $3.42B | $2.95B | $14.33M | $250.29M |
| Jun 2025 | $3.69B | $3.22B | $21.40M | $298.13M |
| Jun 2026 | $4.02B | $3.51B | $29.15M | $355.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $3.50B | 24 |
| Florida | $6.87M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.51B.
Similar-sized banks
Union Savings Bank ($4.02B) · Central Bank & Trust Co. ($4.01B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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