River Bank & Trust
River Bank & Trust reported total assets of $4.0 bn at Q2 2026, up 9.0% on a year earlier, the 331st largest of 497 banks in our US coverage. The CET1 capital ratio at River Bank & Trust was 12.57%, and the uninsured share of River Bank & Trust was 42.89%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, River Bank & Trust slipped from 82nd to 189th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , River Bank & Trust has taken over 2 institutions; the latest was Trinity Bank on (FDIC Call Reports).
What sets River Bank & Trust apart
How large is River Bank & Trust?
The balance sheet of River Bank & Trust at : assets $4.0 bn, deposits $3.5 bn, net loans $2.8 bn (loans equal to 80.47% of deposits). Securities make up 19.9% of total assets at River Bank & Trust. Since , when River Bank & Trust held $725.3 mn, its assets grew 453.9%. In the year to , deposits at River Bank & Trust rose 8.8% while its total assets rose 9.0%. At , River Bank & Trust employed 394 full-time equivalent staff across 25 offices, about $10.2 mn of assets per employee and $140.3 mn of deposits per office.
How much funding at River Bank & Trust is uninsured?
At River Bank & Trust, uninsured deposits (above the FDIC limit) made up 42.89% of domestic deposits at (+1.57 pp on a year earlier); River Bank & Trust ranks 157th of 500 on this measure. In dollars, River Bank & Trust estimated $1.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +8.8% | 318th of 499 |
| Net loans and leases | $2.8 bn | +11.2% | 329th of 500 |
| Loan-to-deposit ratio | 80.47% | +1.79 pp | 337th of 500 |
| Tier 1 leverage ratio | 9.23% | +0.44 pp | 403rd of 500 |
| Total risk-based capital ratio | 13.82% | +0.26 pp | 271st of 448 |
| Net interest margin | 3.81% | +0.37 pp | 199th of 500 |
| Return on assets (ROA) | 1.49% | +0.31 pp | 154th of 500 |
| Efficiency ratio | 47.25% | -1.92 pp | 106th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $17.5 mn | Narrowed by $3.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $48.1 mn | Narrowed by $19.2 mn | |
| Noncurrent loans to total loans | 0.48% | +0.28 pp | 189th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | -0.13 pp | 130th of 500 (1 = lowest) |
US rank of River Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
River Bank & Trust: assets, deposits and loans
- Total assets $4.0bn
- Deposits $3.5bn
- Net loans $2.8bn
Capital and securities
The CET1 ratio of River Bank & Trust stood at 12.57% in , +0.26 pp year on year. Low and high at River Bank & Trust since : 10.94% () to 13.95% (). Equity capital of River Bank & Trust at : $355.1 mn, or 8.8% of total assets. River Bank & Trust also reported a total capital ratio of 13.82% for , and a tier 1 leverage ratio of 9.23%.
On held-to-maturity securities, River Bank & Trust carried an unrealized loss of $17.5 mn at , equal to 4.9% of equity capital. The loss narrowed by $3.6 mn over the year. Its deepest point: $28.4 mn in . The available-for-sale portfolio of River Bank & Trust showed an unrealized loss of $48.1 mn at ; the loss narrowed by $19.2 mn over the year.
River Bank & Trust: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.2%
River Bank & Trust: unrealized securities gains and losses
- Available for sale -$48mn
- Held to maturity -$18mn
Profitability and loan quality
For the year to , River Bank & Trust earned a return on equity of 16.87%; return on assets: 1.49%. Net interest margin at River Bank & Trust: 3.81%, +0.37 pp in a year. River Bank & Trust net income: $29.2 mn, up 36.2% year on year. The efficiency ratio of River Bank & Trust was 47.25%: about 47 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.48% of total loans at River Bank & Trust; net charge-offs: 0.02% of average loans. Gross loans and leases at River Bank & Trust: $2.9 bn, up 11.3% in a year.
River Bank & Trust: profitability
- Return on equity 17%
- Net interest margin 3.8%
- Return on assets 1.5%
Peer group of River Bank & Trust
The peer group of River Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of River Bank & Trust (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Alabama. Against them, River Bank & Trust shows CET1 ratio 12.57% against a peer median of 13.93%, return on equity 16.87% against a peer median of 12.85% and uninsured deposit share 42.89% against a peer median of 42.32%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| West Bank | State nonmember bank | IA | $4.0 bn | 13.03% | 13.02% | 49.50% | |
| California Bank of Commerce | National bank | CA | $4.0 bn | 13.93% | 9.68% | 50.40% | |
| Union Savings Bank | State-chartered stock savings and loan association | OH | $4.0 bn | not reported | 19.84% | 13.45% | |
| River Bank & Trust | State nonmember bank | AL | $4.0 bn | 12.57% | 16.87% | 42.89% | |
| Central Bank & Trust Co. | State nonmember bank | KY | $4.0 bn | 15.12% | 10.25% | 35.13% | |
| RCB Bank | State member bank | OK | $4.0 bn | 16.30% | 12.68% | 21.91% | |
| Commercial Bank of California | State nonmember bank | CA | $4.0 bn | 11.78% | 14.75% | 61.85% | |
. FDIC Call Reports.
Last eight quarters
Two years at River Bank & Trust, to : assets +14.9%, deposits +15.3%, equity +28.6%. Staff 340 to 394; offices 23 to 25.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.5 bn | $3.6 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.8 bn | $3.9 bn | $4.0 bn |
| Total deposits | $3.0 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.4 bn | $3.3 bn | $3.5 bn | $3.5 bn |
| Bank equity capital | $276.1 mn | $270.4 mn | $287.0 mn | $298.1 mn | $322.0 mn | $339.1 mn | $342.4 mn | $355.1 mn |
| CET1 ratio | 11.91% | 11.90% | 11.96% | 12.31% | 12.33% | 12.58% | 12.53% | 12.57% |
| Return on equity (ROE) | 12.41% | 12.61% | 12.77% | 15.01% | 14.71% | 14.43% | 17.19% | 16.87% |
| Uninsured share of domestic deposits | 41.97% | 41.95% | 41.94% | 41.31% | 42.33% | 41.60% | 43.13% | 42.89% |
| Full-time equivalent employees | 340 | 344 | 344 | 363 | 370 | 377 | 387 | 394 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 24 | 25 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of River Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Keystone Bank (FDIC certificate 58382).
- . Absorbed Peoples Southern Bank (FDIC certificate 850).
- . Absorbed Trinity Bank (FDIC certificate 58206).
Questions and identifiers
What were the total assets of River Bank & Trust?
River Bank & Trust reported $4.0 bn at in its Call Report. That makes River Bank & Trust the 331st largest of 497 banks in our US coverage.
Is River Bank & Trust the same as its holding company?
No. This page covers River Bank & Trust, FDIC certificate 58255; River Financial Corp, its holding company, reports separately to the Federal Reserve.
Is River Bank & Trust profitable?
River Bank & Trust reported net income of $29.2 mn for the year to ; annualized return on equity: 16.87%. So yes: River Bank & Trust made a profit over these months.
When is data for River Bank & Trust next updated?
Figures from River Bank & Trust for are due after .
Where can I check the figures for River Bank & Trust?
In the FDIC BankFind Suite record for certificate 58255, and in the Call Reports of River Bank & Trust (RSSD ID 3437157) at the FFIEC Central Data Repository.