River Bank & Trust
Prattville, AL · Cert 58255 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 87% of banks $1B-$10B in assets (rank 43 of 328).
- Widest gap: equity / assets trails 81% of banks $1B-$10B in assets (rank 265 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 94 of 328
Net Interest Margin
3.51%
Rank 152 of 328
Efficiency Ratio
47.44%
Rank 51 of 328
Equity / Assets
8.84%
Rank 265 of 328
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% | 0.91% | 1.22% | 1.52% | Beats 71% | 94 / 328 | |
| Return on Equity | 16.42% | 8.43% | 11.45% | 14.43% | Beats 87% | 43 / 328 | |
| Net Interest Margin | 3.51% | 3.03% | 3.45% | 3.83% | Beats 54% | 152 / 328 | |
| Efficiency Ratio | 47.44% | 51.61% | 59.56% | 67.53% | Beats 85% | 51 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.24% | 0.51% | 1.03% | Beats 52% | 155 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 66% | 112 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 11.75% | 13.15% | 15.47% | Beats 41% | 193 / 328 | |
| Total Risk-Based Capital Ratio | 13.82% | 12.63% | 14.15% | 16.46% | Beats 46% | 178 / 328 | |
| Equity / Assets | 8.84% | 9.15% | 10.33% | 12.01% | Beats 19% | 265 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 81.60% | 76.63% | 87.92% | 95.36% | 35th pctl | 211 / 323 | |
| Loans / Assets | 71.22% | 65.18% | 74.15% | 79.98% | 40th pctl | 196 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |