River Bank & Trust
Prattville, AL
IDRSSD: 3437157
Total Assets
$3.84B
Latest filing
Total Deposits
$3.35B
Latest filing
Net Interest Margin
3.64%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
River Bank & Trust
2611 Legends Dr
Prattville, AL 36066
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/03/2006FDIC Certificate 444616
Branches (22)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| River Bank & Trust (Main) | 2611 Legends Dr | Prattville, AL |
| DOTHAN MAIN BRANCH | 1479 W Main St | Dothan, AL |
| AUBURN BRANCH | 2394 E University Dr | Auburn, AL |
| WETUMPKA BRANCH | 10 Cambridge Dr | Wetumpka, AL |
| EAST MONTGOMERY BRANCH | 7075 Halcyon Park Dr | Montgomery, AL |
| GADSDEN BRANCH | 244 S 3rd St | Gadsden, AL |
| ENTERPRISE BANK | 306 S Main St | Enterprise, AL |
| DOWNTOWN PRATTVILLE BRANCH | 612 S Memorial Dr | Prattville, AL |
Showing 7 of 22
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/03/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36066 |
| State and County Number | 01001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Montgomery, AL |
Operational Info
| Number of Employees | 363 |
| Domestic Offices | 23 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/03/2006 |
| Primary Insurance Agency | DIF |
| Website | http://www.riverbankandtrust.com |
| Data Updated | 11/14/2025 |
| CERT | 58255 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.84B |
| Total Deposits | $3.35B |
| Total Liabilities | $3.52B |
| Total Equity Capital | $321.99M |
| Net Income | $11.09M |
| Net Loans and Leases | $2.61B |
| Assets Per Employee ($Millions) | $10.39M |
| Bank Premises and Fixed Assets | $53.44M |
| Cash and Balances due from Depository Institutions | $218.26M |
| Deposits Held in Domestic Offices | $3.35B |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 14.3% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 48.06% |
| Tier 1 Risk-Based Capital Ratio | 12.33% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.375% |
| Earning Assets to total Assets | 93.09% |
Income and Expense
| Total Interest Income | $50.96M |
| Total Noninterest Income | $5.40M |
| Total Interest Expense | $19.06M |
| Total Noninterest Expense | $18.03M |
| Net Interest Income | $31.91M |
| Pre-tax Net Operating Income | $17.59M |
| Provision for Credit Losses | $1.69M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.99M |
| Other borrowed funds | $150.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $31.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $20.48M |
| Total Liabilities and Capital | $3.84B |
Securities
| Securities | $766.28M |
| Available-for-sale debt securities | $647.87M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $118.41M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of River Bank & Trust?
$3.84B as of the latest filing.
How much are River Bank & Trust's total deposits?
$3.35B in total deposits.
Where is River Bank & Trust located?
Prattville, AL.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
23.
When was it established?
04/03/2006.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$2.61B (latest filing).
What is the total interest income (latest filing)?
$50.96M.