RIVER BANK & TRUST

PRATTVILLE, AL | Large | Est. April 3, 2006, midnight | FDIC #58255 | RSSD #3437157 | FDIC
Latest Report: 2025-12-31

RIVER BANK & TRUST is aln large FDIC-insured commercial bank headquartered in PRATTVILLE, AL, established in April 3, 2006, midnight. As of 2025-12-31, the bank reported total assets of $3.8B and total deposits of $3.3B. Profitability stands at 1.18% ROA and 13.66% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 12.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 3.25%. FDIC Certificate #58255.

Assets

$3.8B

Deposits

$3.3B

Loans

$2.7B

Equity

$339M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 13.66%
Net Interest Margin (NIM) 3.77%
Yield on Assets 5.91%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.12%
Texas Ratio 3.25%
NPA Ratio 0.32%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 12.58%
Tier 1 Capital 12.58%
Total Capital Ratio 13.83%
Leverage Ratio 8.97%
Loan-to-Deposit 81.81%

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