River Bank & Trust
Prattville, AL · Cert 58255 · Peer group: banks $1B-$10B in assets (n=311-317) · River Financial Corp.
State charter, non-member · FDIC · 25 branches
Q2 2026
$4.0BAssets
$2.9BLoans
$3.5BDeposits
$355.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks $1B-$10B in assets (rank 43 of 317).
- Widest gap: equity / assets trails 79% of banks $1B-$10B in assets (rank 252 of 317).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 90 of 317
Net Interest Margin
3.51%
Rank 147 of 317
Efficiency Ratio
47.44%
Rank 50 of 317
Equity / Assets
8.84%
Rank 252 of 317
Non-interest income vs. expense
Unfavorable gap of $53.6M · efficiency ratio beats 85% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.93% | 1.22% | 1.51% | Beats 72% | 90 / 317 | |
| Return on Equity | 16.42% | 8.63% | 11.43% | 14.48% | Beats 86% | 43 / 317 | |
| Net Interest Margin | 3.51% | 3.06% | 3.45% | 3.83% | Beats 54% | 147 / 317 | |
| Efficiency Ratio | 47.44% | 51.90% | 59.69% | 67.53% | Beats 85% | 50 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.24% | 0.51% | 1.14% | Beats 52% | 149 / 311 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 67% | 104 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 11.75% | 13.15% | 15.30% | Beats 41% | 188 / 317 | |
| Total Risk-Based Capital Ratio | 13.82% | 12.63% | 14.21% | 16.26% | Beats 45% | 173 / 317 | |
| Equity / Assets | 8.84% | 9.06% | 10.32% | 11.95% | Beats 21% | 252 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 81.60% | 76.63% | 88.04% | 95.67% | 34th pctl | 205 / 312 | |
| Loans / Assets | 71.22% | 65.41% | 74.05% | 79.71% | 39th pctl | 192 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |