BanksRIVER BANK & TRUST

RIVER BANK & TRUST

PRATTVILLE, ALLargeEst. April 3, 2006, midnightFDIC #58255RSSD #3437157FDIC
Latest · 2025-12-31

RIVER BANK & TRUST is an 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%. CET1 capital ratio: 12.58%, well above regulatory minimums. NPL ratio: 0.39% · Texas Ratio: 3.25%. Operates 23 domestic branches.

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 Margin3.77%
Yield on Assets5.91%
Cost of Funds2.17%

Asset Quality

NPL Ratio0.39%
Net Charge-Off Ratio0.12%
Texas Ratio3.25%
NPA Ratio0.32%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio12.58%
Tier 1 Capital12.58%
Total Capital Ratio13.83%
Leverage Ratio8.97%
Loan-to-Deposit81.81%

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