River Bank & Trust
Prattville, Alabama, Autauga County
$4.0B in total assets, the 344th largest of 4,309 US banks and 3rd of 93 headquartered in Alabama.
- FDIC certificate
- 58255
- Established
- 2006
- Owned by
- River Financial Corp
- Primary regulator
- FDIC
At a glance
Compared with 15 banks headquartered in Alabama with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.0B | 98% | $1.4B | |
| Loans | $2.9B | 98% | $923M | |
| Deposits | $3.5B | 98% | $1.2B | |
| Return on assets | 1.34% | 60% | 1.18% | |
| Net interest margin | 3.81% | 67% | 3.69% | |
| Efficiency ratio | 47.2% | 13% | 61.8% | |
| Equity to assets | 8.84% | 40% | 9.41% | |
| Loans to deposits | 82% | 80% | 72% |
Growth
Total assets grew 12.5% a year over the last 5 years and 18.4% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2019 | Trinity Bank Dothan, AL | $165M |
| Oct 2018 | Peoples Southern Bank Clanton, AL | $186M |
| Dec 2015 | Keystone Bank Auburn, AL | $255M |
Where they operate
25 branches in 17 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Montgomery County, AL | $772M | 10.5% | 5 of 20 |
| Lee County, AL | $379M | 8.5% | 4 of 21 |
| Etowah County, AL | $316M | 20.9% | 3 of 12 |
| Chilton County, AL | $316M | 47.9% | 1 of 6 |
| Autauga County, AL | $246M | 25.2% | 1 of 12 |
| Tallapoosa County, AL | $238M | 26.2% | 2 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 16 branches since 2016 (9 to 25, +177.8%). 14 opened, 6 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2016 | Opened Millbrook | 1 | 0 | +1 | 10 |
| 2018 | Acquired Peoples Southern BankOpened Daphne | 4 | 0 | +4 | 14 |
| 2019 | Acquired Trinity Bank | 3 | 0 | +3 | 17 |
| 2020 | Opened Mobile | 1 | 0 | +1 | 18 |
| 2021 | Opened Daphne and DecaturClosed Daphne and Thorsby | 2 | 2 | 0 | 18 |
| 2022 | Opened 3 in Alabama | 3 | 0 | +3 | 21 |
| 2023 | Opened Mobile and Vestavia Hills | 2 | 0 | +2 | 23 |
| 2025 | Opened FlorenceClosed Clanton | 1 | 1 | 0 | 23 |
| 2026 through Q2 | Opened 3 in 2 statesClosed Vestavia Hills | 3 | 1 | +2 | 25 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 40% | 21% | |
| Commercial real estate | 27% | 36% | |
| Business (C&I) | 12% | 17% | |
| Construction and land | 9% | 10% | |
| Farmland | 3% | 1% | |
| Agricultural | 3% | 1% | |
| Multifamily | 3% | 6% | |
| Consumer | 2% | 5% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 51% | |
| Time deposits | 24% | 25% | |
| Noninterest-bearing | 20% | 24% |
Brokered deposits are 0.0% of deposits (peers 2.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.48% | 0.56% |
| Net charge-offs, annualized | 0.02% | 0.20% |
| Reserves to loans | 1.39% | 1.15% |
| Leverage ratio | 9.23% | 9.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Alabama
Largest competitors in Montgomery County, AL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/river-bank-trust-prattville-al