River Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.97 percentage points higher than in Q1 2026, at 286.60%. Within Alabama, River Bank & Trust is 29th of 93 on return on assets, 1.46% as of Q2 2026. River Bank & Trust reported 1.46% on return on assets for Q2 2026, 0.19 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.57% |
| Tier 1 risk-based capital ratio | 12.57% |
| Total risk-based capital ratio | 13.82% |
| Tier 1 leverage ratio | 9.23% |
| Equity capital to assets | 8.84% |
| Tangible equity to tangible assets | 8.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.25% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 286.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 16.64% |
| Net interest margin | 3.79% |
| Efficiency ratio | 48.20% |
| Yield on earning assets | 5.71% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.60% |
| Core deposits to total deposits | 86.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.27% |
| Securities to assets | 19.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.66% | 11.66% | 12.88% | 8.60% | 0.82% |
| Q4 2023 | 11.57% | 11.57% | 12.79% | 8.65% | 1.06% |
| Q1 2024 | 11.51% | 11.51% | 12.75% | 8.53% | 0.77% |
| Q2 2024 | 11.77% | 11.77% | 13.02% | 8.52% | 0.95% |
| Q3 2024 | 11.91% | 11.91% | 13.16% | 8.54% | 1.04% |
| Q4 2024 | 11.90% | 11.90% | 13.15% | 8.56% | 0.98% |
| Q1 2025 | 11.96% | 11.96% | 13.21% | 8.63% | 0.99% |
| Q2 2025 | 12.31% | 12.31% | 13.56% | 8.80% | 1.36% |
| Q3 2025 | 12.33% | 12.33% | 13.58% | 8.80% | 1.17% |
| Q4 2025 | 12.58% | 12.58% | 13.83% | 8.97% | 1.17% |
| Q1 2026 | 12.53% | 12.53% | 13.78% | 9.14% | 1.52% |
| Q2 2026 | 12.57% | 12.57% | 13.82% | 9.23% | 1.46% |
River Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock River Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full River Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58255) · FFIEC NIC profile (RSSD 3437157)