River Bank & Trust

2611 Legends Drive
Prattville, AL 36066


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58255
Date Established 2006
Assets $1.12 billion
Loans $0.75 billion
Deposits $0.97 billion
Capital $0.13 billion

River Bank & Trust is an FDIC insured institution located in Prattville, AL. It was founded in 2006 and has approximately $1.12 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of River Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $1 $24,999 Learn MoreShow Less
Money Market
0.55% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.70% $1,000 - Learn MoreShow Less
6 Mo CD
0.90% $1,000 - Learn MoreShow Less
12 Mo CD
1.25% $1,000 - Learn MoreShow Less
Special: 13 Mo CD
2.00% $1,000 - Learn MoreShow Less
18 Mo CD
1.35% $1,000 - Learn MoreShow Less
24 Mo CD
1.45% $1,000 - Learn MoreShow Less
30 Mo CD
1.45% $1,000 - Learn MoreShow Less
36 Mo CD
1.55% $1,000 - Learn MoreShow Less
48 Mo CD
1.65% $1,000 - Learn MoreShow Less
60 Mo CD
2.50% $1,000 - Learn MoreShow Less

Fixed IRA
1.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $24,999 Learn MoreShow Less

Loan Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for River Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: 13256
3.643% 3.625% 0.25 $560 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to River Bank & Trust
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Financial Details

River Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of River Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
River Bank & Trust U.S. Bank Average
2.41% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, River Bank & Trust had $3,143,000 in non-current loans and $278,000 in owned real estate. To cover these potential losses it had $134,687,000 in equity and $7,104,000 in loans loss reserves. That gives it a Texas Ratio of 2.41%.

Return on Equity
River Bank & Trust U.S. Bank Average
9.27% 9.50%

River Bank & Trust has a Return on Equity of 9.27% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

River Bank & Trust U.S. Bank Average
12.06% 12.76%

River Bank & Trust has a Capitalization of 12.06% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

River Bank & Trust Balance Sheet Analysis

As of June 30, 2019, River Bank & Trust had assets of $1,117,153,000, loans of $747,824,000, and deposits of $967,866,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.03 billion
Total securities $0.22 billion
Federal funds sold and reverse repurchase $0.02 billion
Net loans and leases $0.75 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.03 billion
     Total Assets $0.98 billion
Total deposits $0.97 billion
      Interest-bearing deposits $0.70 billion
      Deposits held in domestic offices $0.97 billion
      % insured (estimated) 72.25%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.98 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in River Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Alabama, River Bank & Trust has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.40
Credit Card Loans 0.00
Consumer Auto Loans 1.11
Small Business Loans 15.82
Construction and Development Loans 14.66
Commercial Real Estate 30.57
Commercial and Industrial Loans 13.77
Farm Loans 0.24

Frequently Asked Questions About River Bank & Trust

Branches and Savings

Is River Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #58255.

Why does River Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are River Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is River Bank & Trust a commercial bank?


Where are River Bank & Trust locations?

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Are River Bank & Trust ATMs Open 24/7?

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Will River Bank & Trust notarize my document?

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Does River Bank & Trust offer mortgages?

Compare mortgage rates here.

Does River Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does River Bank & Trust offer personal loans?

Compare personal loan rates here.

Does River Bank & Trust offer student loans?

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Background on The Bank

Who owns River Bank & Trust?

How long has River Bank & Trust been around?

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Will River Bank & Trust accept loose change?

Where is River Bank & Trust headquarters?

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