River Bank & Trust: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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
- Offices
- 25 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full River Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock River Bank & Trust, freeRiver Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for River Bank & Trust: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 1.46% | 0.48% | 4.25% | 3.79% |
| Q1 2026 | 12.53% | 1.52% | 0.51% | 4.30% | 3.74% |
| Q4 2025 | 12.58% | 1.17% | 0.41% | 3.87% | 3.64% |
| Q3 2025 | 12.33% | 1.17% | 0.29% | 2.90% | 3.56% |
| Q2 2025 | 12.31% | 1.36% | 0.23% | 2.32% | 3.45% |
| Q1 2025 | 11.96% | 0.99% | 0.35% | 2.94% | 3.31% |
| Q4 2024 | 11.90% | 0.98% | 0.36% | 3.16% | 3.11% |
| Q3 2024 | 11.91% | 1.04% | 0.49% | 4.13% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 25 branches →
| 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
What the public regulatory sources show for River Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is River Bank & Trust headquartered?
River Bank & Trust is headquartered in Prattville, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was River Bank & Trust founded?
River Bank & Trust was established in 2006, per the FDIC institution directory.
Is River Bank & Trust FDIC-insured?
Yes. River Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is River Bank & Trust's CET1 capital ratio?
River Bank & Trust 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?
River Bank & Trust 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?
River Bank & Trust's Texas Ratio is 4.25% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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