River Bank & Trust is an FDIC insured institution headquartered at
2611 Legends Dr, Prattville, AL 36066.
It was founded in
2006 and has approximately $4 billion in assets. Customers can open an account at one of its 10 branches.
| CD RATES | APY | MIN | |
|---|---|---|---|
|
7 Mo CD
|
2.53% | $1,000 | Compare |
|
13 Mo CD
|
3.56% | $1,000 | Compare |
|
25 Mo CD
|
3.81% | $1,000 | Compare |
|
Intro APR: 6.990 %
After Intro:6.990 % |
$0 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-04-25 |
Intro APR: 7.400 %
After Intro:7.400 % |
$15,000 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. | $0 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-04-10 |
Intro APR: 7.400 %
After Intro:7.400 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-04-18 |
Intro APR: 6.490 %
After Intro:7.750 % Intro Period: 12 months |
$25,000 |
Point Digital Finance NMLS ID: Not a Lender / Updated 2025-04-25 |
Get up to $500k with no monthly payments, ever. | $0 |
Achieve Loans NMLS ID: 1810501 / Updated 2025-03-31 |
Intro APR: 8.750 %
After Intro:8.750 % |
$0 |
| Tap Into the Equity of Your Home to Get The Cash You Need | $0 |
District Lending NMLS ID: 598623 / Updated 2025-04-25 |
No Lender Fees | $0 |
| Home Equity Line of Credit - Equal Housing Lender | $0 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-04-25 |
Home Equity Loans & Refinance – Cash out | $0 |
Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-04-25 |
Get cash now in exchange for a percentage of your homes future equity. | $0 |
Upstart NMLS ID: 2443873 / Updated 2025-04-25 |
As low as 6.3% APR on your initial draw* | $0 |
Green Lending, LLC NMLS ID: 2598612 |
6.488% |
$1,997
Fees & Points
$4,008 Total
0.937 Pts ($2,998) $1,010 Fees |
Pure Rate Mortgage NMLS ID: 2578474 |
6.494% |
$1,997
Fees & Points
$4,010 Total
0.925 Pts ($2,960) $1,050 Fees |
Loansteady NMLS ID: 1701910 |
6.617% |
$2,023
Fees & Points
$3,890 Total
0.750 Pts ($2,400) $1,490 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
6.701% |
$2,049
Fees & Points
$2,512 Total
0.785 Pts ($2,512) $0 Fees |
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894 |
6.725% |
$2,049
Fees & Points
$3,330 Total
0.822 Pts ($2,630) $700 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
6.822% |
$2,076
Fees & Points
$2,378 Total
0.743 Pts ($2,378) $0 Fees |
PenFed Credit Union NMLS ID: 401822 |
7.034% |
$2,103
Fees & Points
$5,200 Total
0.625 Pts ($2,000) $3,200 Fees |
Rocket Mortgage NMLS ID: 3030 |
7.476% |
$2,211
Fees & Points
$3,200 Total
1.000 Pts ($3,200) $0 Fees |
FHAloans.com NMLS ID: Not a Lender |
Fees & Points
Total
Pts ($0) $0 Fees |
Veterans United Home Loans NMLS ID: 1907 |
Fees & Points
Total
Pts ($0) $0 Fees |
Top Flite Financial NMLS ID: 4181 |
Fees & Points
Total
Pts ($0) $0 Fees |
CrossCountry Mortgage NMLS ID: 3029 |
Fees & Points
Total
Pts ($0) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 58255 |
| Date Established | 2006 |
| Assets | $ 3.58 billion |
| Loans | $ 2.46 billion |
| Deposits | $ 3.07 billion |
| Capital | $ 270.41 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 122.96 million |
| Interest-bearing balances | $ 87.71 million |
| Total securities | $ 732.92 million |
| Federal funds sold and reverse repurchase | $ 67.00 million |
| Net loans and leases | $ 2.46 billion |
| Loan loss allowance | $ 32.09 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.12 million |
| Goodwill and other intangibles | $ 28.75 million |
| All other assets | $ 89.61 million |
| Total Assets | $ 3.31 billion |
| LIABILITIES | |
| Total deposits | $ 3.07 billion |
| Interest-bearing deposits | $ 2.41 billion |
| Deposits held in domestic offices | $ 3.07 billion |
| % insured (estimated)" | 58.08% |
| Federal funds purchased and repurchase agreements | $ 22.66 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 20.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 11.90 millionn |
| Total Liabilities | $ 3.31 billion |
| Shareholders’ Equity | $ 270.41 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 170.11 million |
| Total Interest Expense | $ 73.99 million |
| Net interest income | $ 96.12 million |
| Provision for loan and lease losses | $ 5.79 million |
| Total non interest income | $ 16.97 million |
| Total non interest expense | $ 62.26 million |
| Pre-tax Net Operating Income | $ 22.08 million |
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