River Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks River Bank & Trust of Prattville, AL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.34% | +0.12% | 62nd above |
| ROAE | 16.64% | 12.40% | +4.24% | 79th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.83% | -0.04% | 55th above |
| Efficiency Ratio | 48.20% | 57.84% | -9.64% | 79th top |
| PPNR / Avg Assets | 2.14% | — | — | 74th above |
| Yield on Earning Assets | 5.71% | 5.71% | +0.00% | 60th above |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 50th above |
| Net Interest Spread | 3.23% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 1.00% | -0.52% | 59th above |
| NPA / Total Assets | 0.39% | — | — | 58th above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 56th above |
| ACL / Total Loans | 1.39% | — | — | 79th top |
| ACL / NPLs (Coverage) | 288.74% | — | — | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.25% | 5.47% | -1.22% | 44th below |
| Provision / NCO | 1437.86% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.57% | 14.99% | -2.42% | 34th below |
| Tier 1 Ratio | 12.57% | 15.02% | -2.45% | 33rd below |
| Total Capital Ratio | 13.82% | — | — | 36th below |
| Leverage Ratio | 9.23% | 11.11% | -1.88% | 17th bottom |
| Equity / Assets | 8.84% | 11.02% | -2.18% | 19th bottom |
| TCE / Tangible Assets | 8.19% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.60% | 86.99% | -5.39% | 66th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.13% | 85.57% | +0.56% | 38th below |
| Uninsured Deposit Ratio | 42.89% | 33.19% | +9.70% | 21st bottom |
| Wholesale Funding Ratio | 3.36% | — | — | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.96% | — | — | 70th above |
| Loan Growth (Y/Y) | 11.32% | — | — | 76th top |
| Deposit Growth (Y/Y) | 8.76% | — | — | 70th above |
See River Bank & Trust's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock River Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full River Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the River Bank & Trust peer analysis.