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River Bank & Trust


ACH Number: 62106557

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 - April 26, 2026

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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58255
Date Established 2006
Assets $ 3.79 billion
Loans $ 2.69 billion
Deposits $ 3.33 billion
Capital $ 339.06 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 121.49 million
Interest-bearing balances $ 92.26 million
Total securities $ 745.83 million
Federal funds sold and reverse repurchase $ 10.00 million
Net loans and leases $ 2.69 billion
Loan loss allowance $ 36.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.53 million
Goodwill and other intangibles $ 28.35 million
All other assets $ 89.61 million
     Total Assets $ 3.45 billion

LIABILITIES
Total deposits $ 3.33 billion
      Interest-bearing deposits $ 2.66 billion
      Deposits held in domestic offices $ 3.33 billion
      % insured (estimated)" 58.42%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 20.00 million
Subordinated debt N.A.
All other liabilities $ 11.90 millionn
      Total Liabilities $ 3.45 billion
      Shareholders’ Equity $ 339.06 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 197.61 million
Total Interest Expense $ 74.27 million
Net interest income $ 123.34 million
Provision for loan and lease losses $ 7.24 million
Total non interest income $ 20.68 million
Total non interest expense $ 69.86 million
Pre-tax Net Operating Income $ 22.08 million

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