Bank call report · Prattville, AL
River Bank & Trust Call Report
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River Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 469 reported line items, schedule by schedule (904 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3437157 |
| FDIC certificate number | 58255 |
| Total assets | $4.02B |
Official Q2 2026 call report PDF (FFIEC) →
River Bank & Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · River Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $4.02B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $4.02B |
| Total Liabilities and Minority Interest | RCON2948 | $3.66B |
| Total Deposits | RCON2200 | $3.51B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.84B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.81B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.80B |
| Deposits: Noninterest-bearing | RCON6631 | $697.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $683.4M |
| Total Equity Capital | RCON3210 | $355.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $355.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $217.7M |
| Surplus | RCON3839 | $171.8M |
| Other Assets | RCON2160 | $148.1M |
| Other Borrowed Money | RCON3190 | $135.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $114.9M |
| Held-to-maturity Securities, Total | RCON1754 | $114.9M |
| Interest-bearing Balances | RCON0071 | $70.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $59.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $45.8M |
| Federal Funds Sold | RCONB987 | $44.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $39.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$37.4M |
| Intangible Assets | RCON2143 | $28.2M |
| Goodwill | RCON3163 | $27.8M |
| Other Liabilities, Total | RCON2930 | $21.2M |
| Loans and Leases Held for Sale | RCON5369 | $19.3M |
| Common Stock | RCON3230 | $3.0M |
| Other Real Estate Owned | RCON2150 | $1.7M |
Schedule RI: Income Statement (50 items)
About Schedule RI · River Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $104.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $89.6M |
| Net Interest Income | RIAD4074 | $69.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $38.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $38.4M |
| Total Noninterest Expense | RIAD4093 | $38.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $37.5M |
| Total Interest Expense | RIAD4073 | $35.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $34.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $29.2M |
| Net Income (Loss) | RIAD4340 | $29.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $29.2M |
| Salaries and Employee Benefits | RIAD4135 | $24.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $13.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $11.7M |
| Total Noninterest Income | RIAD4079 | $11.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $10.0M |
| Other Noninterest Expense | RIAD4092 | $9.8M |
| Applicable Income Taxes | RIAD4302 | $9.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $8.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $6.5M |
| Other Noninterest Income | RIADB497 | $4.9M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $4.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $4.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $3.8M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $3.7M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $3.7M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2.9M |
| Interest on Other Securities | RIAD4060 | $2.8M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $2.1M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.4M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.3M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $1.2M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $730K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $614K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $502K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $474K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $450K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $265K |
| Fees and Commissions from Annuity Sales | RIADC887 | $261K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $261K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $166K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $158K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$93K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $35K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $12K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 394 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $116.3M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $61.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $32.2M |
| Currency and Coin | RCON0080 | $11.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $10.8M |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · River Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $9.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $9.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $527.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $489.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $52.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $44.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $9.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $9.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $731.5M |
| Pledged Securities | RCON0416 | $327.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $303.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $159.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $122.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $116.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $109.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $97.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $64.2M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $62.7M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $52.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $36.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $36.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $28.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $26.5M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $24.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $24.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $19.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $14.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $12.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $12.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $11.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $9.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $9.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $9.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $9.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.1M |
Schedule RC-C, Part I: Loans and Leases (40 items)
About Schedule RC-C, Part I · River Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.86B |
| Pledged Loans and Leases | RCONG378 | $1.82B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $958.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $661.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $572.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $500.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $469.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $451.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $376.0M |
| Commercial and Industrial Loans | RCON1766 | $335.5M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $335.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $304.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $301.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $268.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $251.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $219.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $174.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $146.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $116.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $114.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $105.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $93.1M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $87.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $72.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $69.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $34.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $28.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $24.5M |
| Other Loans | RCONJ464 | $20.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $19.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $19.0M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $13.1M |
| Unearned Income on Loans | RCON2123 | $9.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $5.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.2M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $1.2M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $128K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $25K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $19K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $231.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $91.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $59.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $52.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $51.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $14.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $10.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $9.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $9.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $7.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $6.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.5M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,617 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 579 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 515 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 370 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 269 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 175 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 148 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 60 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 52 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 46 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 35 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 34 |
Schedule RC-E: Deposit Liabilities (34 items)
About Schedule RC-E · River Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $2.65B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $2.21B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.68B |
| Total Transaction Accounts | RCON2215 | $860.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $741.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $592.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $521.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $486.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $435.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $357.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $333.2M |
| Total reciprocal deposits | RCONJH83 | $280.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $275.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $259.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $237.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $237.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $208.7M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $202.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $202.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $188.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $145.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $126.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $117.1M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $88.4M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $51.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $38.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $37.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $21.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $18.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $14.9M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $8.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.8M |
Schedule RC-F: Other Assets (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $53.3M |
| Other Assets | RCON2168 | $38.6M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $33.2M |
| Net Deferred Tax Assets | RCON2148 | $25.2M |
| Accrued Interest Receivable | RCONB556 | $18.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $9.7M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.5M |
| Prepaid Expenses | RCON2166 | $2.1M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $1.1M |
| Accounts Receivable | RCONFT34 | $423K |
| Computer Software | RCONFT33 | $37K |
| Other Repossessed Assets (Net) | RCON1578 | $16K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $12.0M |
| Other Expenses Accrued and Unpaid | RCON3646 | $7.7M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $7.1M |
| Deferred Compensation Liabilities | RCONC011 | $4.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| Accounts Payable | RCON3066 | $339K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · River Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $3.98B |
| Quarterly Average of Total Loans | RCON3360 | $2.79B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.43B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.18B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $1.14B |
| Mortgage-backed Securities | RCONB559 | $628.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $497.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $444.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $395.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $324.8M |
| All Other Securities | RCONB560 | $189.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $100.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $83.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $79.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $49.6M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $33.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $25.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $3K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (13 items)
About Schedule RC-L · River Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $175.2M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $175.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $148.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $137.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $94.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $67.4M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $43.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $35.9M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $24.6M |
| Interest Rate Forward Contracts | RCON8697 | $19.3M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $8.1M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $33K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $30K |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · River Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $75.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $75.0M |
| Assets Under the Reporting Bank's Management in Proprietary Mutual Funds and Annuities | RCONB570 | $63.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $60.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $42.4M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.5M |
| All other intangible assets | RCONJF76 | $375K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $155K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $58K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 12 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (43 items)
About Schedule RC-N · River Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $17.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $13.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $9.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $6.8M |
| Additions to Nonaccrual Assets | RCONC410 | $5.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $2.5M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $1.7M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $1.5M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $1.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $924K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $892K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $841K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $571K |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $546K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $496K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $496K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $488K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $469K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $467K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $367K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $294K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $212K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $203K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $192K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $164K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $147K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Farmland in Domestic Offices Included in All Other Loans: Nonaccrual | RCONK132 | $139K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $128K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $109K |
| All Other Loans - Nonaccrual | RCON5461 | $91K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $91K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $60K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $59K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $50K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $43K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $16K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $16K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $15K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Other Consumer (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) Loans to Individuals for Household, Family, and Other Personal Expenditures: Nonaccrual | RCONK282 | $6K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $4K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures: Nonaccrual | RCONK279 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · River Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $3.98B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $3.51B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.94B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.55B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.50B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $359.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $16.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 58,015 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,232 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 475 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 12 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $99.8M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $92.1M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $19.3M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $2.0M |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $683.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $683.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $683.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $683.4M |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · River Bank & Trust regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · River Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $3.98B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $3.95B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.90B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $400.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $364.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $364.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $364.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $355.1M |
| Retained Earnings | RCOAKW00 | $217.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $174.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$37.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$37.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $36.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $36.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $36.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $28.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $27.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $281K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1382 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1257 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1257 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0923 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0582 |
Schedule RC-R, Part II: Risk-Weighted Assets (60 items)
About Schedule RC-R, Part II · River Bank & Trust risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.90B |
| Total Risk-weighted Assets | RCONG641 | $2.90B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.94B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.94B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.86B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.56B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.53B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $1.13B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $1.10B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $1.10B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $1.02B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $899.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $899.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $683.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $650.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $549.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $334.9M |
| Total All Other Assets | RCOND981 | $237.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $227.3M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $203.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $179.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $151.6M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $151.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $148.7M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $146.9M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $146.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $116.3M |
| Total Held-to-maturity Securities | RCOND961 | $114.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $111.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $91.0M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $88.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $74.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $74.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $62.2M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $62.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$59.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$48.1M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $44.0M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $44.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $36.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $32.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $28.1M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $26.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $25.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $22.7M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $19.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $19.3M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $19.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $12.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $8.1M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $8.1M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $8.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $4.7M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.5M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.5M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.5M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $610K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $155K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $131.9M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $131.9M |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $355.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $339.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $339.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $9.4M |
| Other Comprehensive Income | RIADB511 | -$4.2M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $591K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (15 items)
About Schedule RI-B, Part I · River Bank & Trust charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $439K |
| Charge-offs on All Other Loans | RIAD4644 | $170K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $159K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $99K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $91K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $66K |
| Recoveries on All Other Loans | RIAD4628 | $49K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $40K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $28K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $18K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $14K |
| Charge-offs on Automobile Loans | RIADK129 | $13K |
| Recoveries on Automobile Loans | RIADK133 | $5K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $3K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · River Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $39.8M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $36.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $439K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.84B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.20B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $862.8M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $468.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $261.3M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $49.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $39.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $13.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $13.0M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $9.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $3.8M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $584K |
Schedule RI-E: Explanations (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $2.3M |
| Data Processing Expenses | RIADC017 | $1.4M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $930K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $728K |
River Bank & Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the River Bank & Trust call report?
The River Bank & Trust call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does River Bank & Trust file?
River Bank & Trust files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the River Bank & Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: River Bank & Trust has Federal Reserve RSSD ID 3437157 and FDIC certificate number 58255. Either one finds its filings on the FFIEC Central Data Repository.
How often does River Bank & Trust file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
River Bank & Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58255) · FFIEC NIC profile (RSSD 3437157)