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.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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 December 31, 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 December 31, 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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Branches
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