River Bank & Trust


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.

Deposit Rates - July 13, 2025

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

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58255
Date Established 2006
Assets $ 3.63 billion
Loans $ 2.51 billion
Deposits $ 3.16 billion
Capital $ 286.96 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 170.08 million
Interest-bearing balances $ 123.24 million
Total securities $ 742.63 million
Federal funds sold and reverse repurchase $ 20.00 million
Net loans and leases $ 2.51 billion
Loan loss allowance $ 33.80 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles $ 28.64 million
All other assets $ 89.61 million
     Total Assets $ 3.35 billion

LIABILITIES
Total deposits $ 3.16 billion
      Interest-bearing deposits $ 2.51 billion
      Deposits held in domestic offices $ 3.16 billion
      % insured (estimated)" 58.08%
Federal funds purchased and repurchase agreements $ 21.23 million
Trading liabilities N.A.
Other borrowed funds $ 20.00 million
Subordinated debt N.A.
All other liabilities $ 11.90 millionn
      Total Liabilities $ 3.35 billion
      Shareholders’ Equity $ 286.96 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 46.33 million
Total Interest Expense $ 18.05 million
Net interest income $ 28.28 million
Provision for loan and lease losses $ 1.69 million
Total non interest income $ 5.19 million
Total non interest expense $ 16.74 million
Pre-tax Net Operating Income $ 22.08 million

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Branches

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River Bank & Trust Locations