River Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
River Bank & Trust is an FDIC-insured commercial bank headquartered in Prattville, AL, established in 2006 (FDIC certificate 58255), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.02B, up 9.0% from Q2 2025, the 3rd largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 12.57% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58255
- Headquarters
- Prattville, AL
- Established
- 2006
- Total assets, Q2 2026
- $4.02B
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 12.57%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 062206567
- Holding company
- RIVER FINANCIAL CORPORATION
- Asset rank in state
- 3rd of 93 in Alabama
River Bank & Trust operates with a thinner capital cushion than most banks of its size. It reported $4.0 billion in assets at June 30, 2026, up 9.0% from a year earlier. It funds 9.23% of its assets with Tier 1 capital, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also holds about two-fifths of its deposits (43%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.48% of loans, against 0.21% a year earlier. Net income for the quarter rose 16% from a year earlier, to $15 million.
As of June 30, 2026, River Bank & Trust reported a CET1 capital ratio of 12.57%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 4.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, River Bank & Trust is the 3rd largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $4.02B, loans rose 4.0% and deposits rose 1.6%. 1-4 family residential loans made up 40.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.4%. Its 25 offices in the FDIC Summary of Deposits are in 20 cities across 2 states; its Montgomery 2 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, River Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2611 Legends Dr, Prattville, AL 36066
- County
- Autauga
- Metro Area
- Montgomery, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 3, 2006
- Domestic offices
- 25 FDIC institution directory, current count
- Employees (FTE)
- 394
- Domestic deposits
- $3.51B
- Allowance for credit losses
- $39.8M
- Net charge-offs (YTD)
- $280K
- Average total assets
- $3.98B
- Average total loans
- $2.79B
- Average interest-bearing deposits
- $2.77B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 3, 2006
- FDIC Cert
- 58255
- Fed RSSD
- 3437157
- SEC CIK
- 1641601 → filed by RIVER FINANCIAL CORPORATION
- Parent Holding Company
- RIVER FINANCIAL CORPORATION (RSSD 4422851) · RVRF
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, River Bank & Trust's total assets ran between $3.18B (Q3 2023) and $4.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.02B total assets against $3.69B; $3.66B total liabilities against $3.39B.
$2.82B net loans and leases against $2.54B; $3.51B total deposits against $3.22B.
$798.3M securities against $738.0M; $160.3M cash and balances due against $209.0M.
$53.4M total interest income against $48.4M; $18.0M total interest expense against $18.4M.
$35.4M net interest income against $30.1M.
$6.0M total noninterest income against $5.1M; $20.1M total noninterest expense against $17.2M.
$2.0M provision for credit losses against $1.7M.
$14.5M net income against $12.5M.
1.46% return on assets against 1.36%; 3.79% net interest margin against 3.45%.
12.57% CET1 capital ratio against 12.31%; 9.23% tier 1 leverage ratio against 8.80%.
Inside the full River Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRiver Bank & Trust rankings
Its closest position to the top of a national ranking is 328 of 4,196, for total assets; its furthest is 1,533 of 2,134, for CET1 ratio.
Metric pages for River Bank & Trust: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 1.52% (Q1 2026) and its net interest margin ran from 2.98% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 1.46% | 0.48% | 4.25% | 3.79% |
| Q1 2026 | 12.53% | 1.52% | 0.49% | 4.30% | 3.74% |
| Q4 2025 | 12.58% | 1.17% | 0.44% | 3.87% | 3.64% |
| Q3 2025 | 12.33% | 1.17% | 0.28% | 2.90% | 3.56% |
| Q2 2025 | 12.31% | 1.36% | 0.21% | 2.32% | 3.45% |
| Q1 2025 | 11.96% | 0.99% | 0.33% | 2.94% | 3.31% |
| Q4 2024 | 11.90% | 0.98% | 0.34% | 3.16% | 3.11% |
| Q3 2024 | 11.91% | 1.04% | 0.47% | 4.13% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 25 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| East Montgomery Branch | Montgomery , AL | 36117 | $499.0M |
| Gadsden Branch | Gadsden , AL | 35901 | $316.3M |
| Clanton Main Office | Clanton , AL | 35045 | $315.7M |
| Montgomery Office | Montgomery , AL | 36104 | $273.3M |
| Auburn Branch | Auburn , AL | 36830 | $251.2M |
| Alexander City | Alexander City , AL | 35010 | $238.1M |
| River Bank & Trust (main office) | Prattville , AL | 36066 | $219.8M |
| Birmingham Office 2 Branch | Vestavia Hills , AL | 35216 | $213.4M |
| Enterprise Bank | Enterprise , AL | 36330 | $178.6M |
| Wetumpka Branch | Wetumpka , AL | 36093 | $160.1M |
| Dothan Main Branch | Dothan , AL | 36301 | $149.9M |
| Opelika Branch | Opelika , AL | 36801 | $106.8M |
| Huntsville Office Branch | Huntsville , AL | 35801 | $98.8M |
| Decatur Branch | Decatur , AL | 35601 | $72.4M |
| Daphne Branch | Daphne , AL | 36526 | $72.3M |
| Millbrook Office Branch | Millbrook , AL | 36054 | $65.8M |
| Downtown Mobile Branch | Mobile , AL | 36602 | $62.4M |
| Westside Branch | Dothan , AL | 36305 | $49.7M |
| Florence Branch | Florence , AL | 35630 | $43.7M |
| Mobile Office Branch | Mobile , AL | 36608 | $30.0M |
| Saraland Branch | Saraland , AL | 36571 | $28.2M |
| Downtown Prattville Branch | Prattville , AL | 36067 | $26.4M |
| Auburn South Branch | Auburn , AL | 36832 | $21.2M |
| Destine Office Branch | Destin , FL | 32541 | $6.9M |
| Tuscaloosa Branch | Tuscaloosa , AL | 35401 | $6.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2019 | Structure Change | Acquired Trinity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Structure Change | Acquired Peoples Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Keystone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- March 18, 2025, SEC Form 8-K: 8-K Item 1.02: consent order
- Period: Most recent institution action March 18, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.4% of deposits in AL, rank 8 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.7M approved, $431K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about River Bank & Trust
What are River Bank & Trust's total assets?
As of the Q2 2026 filing, River Bank & Trust reported total assets of $4.02 billion in its FFIEC call report.
Where is River Bank & Trust headquartered?
It is headquartered in Prattville, AL, United States.
When was River Bank & Trust founded?
It was established in 2006, per the FDIC institution directory.
Is River Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates River Bank & Trust?
River Bank & Trust's primary federal regulator is the FDIC.
What is River Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.57% in its Q2 2026 call report, above regulatory requirements.
How many branches does River Bank & Trust operate?
It operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is River Bank & Trust's Texas Ratio?
Its Texas Ratio is 4.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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