River Bank & Trust is an FDIC insured institution headquartered at
2611 Legends Dr, Prattville, AL 36066.
It was founded in
2006 and has approximately $3 billion in
assets. Customers can open an account at one of its 10 branches.
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97% of borrowers would recommend to friends or family
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Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 58255
Date Established
2006
Assets
$ 3.37 billion
Loans
$ 2.24 billion
Deposits
$ 2.90 billion
Capital
$ 238.86 million
Summary Balance Sheet as of March 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 173.15 million
Interest-bearing balances
$ 139.11 million
Total securities
$ 710.15 million
Federal funds sold and reverse repurchase
$ 46.00 million
Net loans and leases
$ 2.24 billion
Loan loss allowance
$ 29.86 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.92 million
Goodwill and other intangibles
$ 29.12 million
All other assets
$ 89.61 million
Total Assets
$ 3.13 billion
LIABILITIES
Total deposits
$ 2.90 billion
Interest-bearing deposits
$ 2.25 billion
Deposits held in domestic offices
$ 2.90 billion
% insured (estimated)
59.31%
Federal funds purchased and repurchase agreements
$ 14.59 million
Trading liabilities
N.A.
Other borrowed funds
$ 20.00 million
Subordinated debt
N.A.
All other liabilities
$ 11.90 millionn
Total Liabilities
$ 3.13 billion
Shareholders’ Equity
$ 238.86 million
Summary Income Statement as of March 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 39.22 million
Total Interest Expense
$ 17.03 million
Net interest income
$ 22.19 million
Provision for loan and lease losses
$ 1.31 million
Total non interest income
$ 3.78 million
Total non interest expense
$ 15.06 million
Pre-tax Net Operating Income
$ 22.08 million
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Branches
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