Headquartered in Prattville, Alabama, River Bank & Trust is a state-chartered bank with $4.0B in total assets and $3.5B in deposits as of Q2 2026. It operates 25 offices across 2 states. Its charter dates back to 2006.
River Bank & Trust has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 62nd. Problem-loan coverage contributes the most (92/100, 3.9%); capital cushion contributes the least (42/100, 9.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 60 |
| Q4 2024 | 62 |
| Q1 2025 | 62 |
| Q2 2025 | 66 |
| Q3 2025 | 65 |
| Q4 2025 | 63 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.52% |
| Q3 2024 | 8.54% |
| Q4 2024 | 8.56% |
| Q1 2025 | 8.63% |
| Q2 2025 | 8.80% |
| Q3 2025 | 8.80% |
| Q4 2025 | 8.97% |
| Q1 2026 | 9.14% |
| Q2 2026 | 9.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $4.0B | 9.23% | 0.48% | 1.49% | 80.5% |
| Q1 2026 | 66 | $3.9B | 9.14% | 0.49% | 1.52% | 78.6% |
| Q4 2025 | 63 | $3.8B | 8.97% | 0.44% | 1.18% | 80.7% |
| Q3 2025 | 65 | $3.8B | 8.80% | 0.28% | 1.17% | 77.9% |
| Q2 2025 | 66 | $3.7B | 8.80% | 0.21% | 1.18% | 78.7% |
| Q1 2025 | 62 | $3.6B | 8.63% | 0.33% | 0.99% | 79.4% |
| Q4 2024 | 62 | $3.6B | 8.56% | 0.34% | 0.94% | 80.2% |
| Q3 2024 | 60 | $3.5B | 8.54% | 0.47% | 0.92% | 79.0% |
| Q2 2024 | 59 | $3.4B | 8.52% | 0.52% | 0.86% | 79.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CB&S Bank, Inc.Bank Russellville, AL | 59 out of 100, Moderate | $3.1B | 10.4% | 1.15% | vs |
| Bryant BankBank Tuscaloosa, AL | 72 out of 100, Strong | $2.9B | 9.5% | 0.07% | vs |
| Bank IndependentBank Sheffield, AL | 65 out of 100, Moderate | $2.9B | 9.8% | 0.22% | vs |
| Oakworth Capital BankBank Birmingham, AL | 58 out of 100, Moderate | $2.1B | 9.6% | 0.68% | vs |
| Troy Bank & Trust CompanyBank Troy, AL | 67 out of 100, Moderate | $1.6B | 12.8% | 1.35% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
Deposit insurance
Is my money safe at River Bank & Trust?
Yes. River Bank & Trust is an FDIC-insured institution (FDIC certificate #58255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.9% of deposits ($1.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.82% (benchmark: 10%).
25 locations
Branches
River Bank & Trust lists 25 offices in 20 cities across 2 states. Most locations:
- Auburn, AL (2)
- Dothan, AL (2)
- Mobile, AL (2)
- Montgomery, AL (2)
- Prattville, AL (2)
- Alexander City, AL (1)
- Clanton, AL (1)
- Daphne, AL (1)
- Decatur, AL (1)
- Destin, FL (1)
- Enterprise, AL (1)
- Florence, AL (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 17 consumer complaints about River Financial Inc. to the company (12 in the last 12 months). 100.0% received a timely response. That is 4.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- River Bank & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 58255
- RSSD ID
- 3437157
- Primary regulator
- FDIC
- Holding company
- River Financial Corp
- Established
- April 3, 2006
- Headquarters
- 2611 Legends Dr, Prattville, AL 36066
- Website
- www.riverbankandtrust.com
- Employees
- 394
Quick answers
River Bank & Trust: common questions
Is River Bank & Trust FDIC insured?
Yes. River Bank & Trust is an FDIC-insured institution (FDIC certificate #58255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is River Bank & Trust's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has River Bank & Trust ever failed?
There is no failure record for FDIC certificate #58255 in the FDIC failed bank list.
How many branches does River Bank & Trust have?
25 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Prattville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Max Credit UnionCredit union Montgomery, AL | 89 out of 100, Very strong | $2.4B | 14.5% | 0.68% | vs |
| First Citizens BankBank Luverne, AL | 87 out of 100, Very strong | $402.6M | 14.3% | 0.76% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Alabama State Employees Credit UnionCredit union Montgomery, AL | 80 out of 100, Strong | $471.2M | 12.0% | 0.31% | vs |
| Fedmont Federal Credit UnionCredit union Montgomery, AL | 75 out of 100, Strong | $13.0M | 13.4% | 0.52% | vs |
| First Community Bank of Central AlabamaBank Wetumpka, AL | 74 out of 100, Strong | $694.3M | 8.6% | 0.10% | vs |