River Bank&Trust
Prattville, Alabama · FDIC Cert #58255
River Bank&Trust is an FDIC-insured bank (Certificate #58255) with $3.4B in total assets and $2.9B in total deposits as of the Q2 2024 Call Report. Headquartered in Prattville, Alabama, the bank maintains a Tier 1 capital ratio of 11.77% (Well-Capitalized) and a nonperforming loan ratio of 0.52%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
River Bank&Trust (FDIC cert 58255) is a mid-sized bank with $3.4B in total assets and $2.9B in deposits, based in Prattville, Alabama. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.77% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.52% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. River Bank&Trust carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: River Bank&Trust
- Total Assets
- $3.4B
- Total Deposits
- $2.9B
- Tier 1 Capital Ratio
- 11.77%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.52%
- Liquidity Ratio
- 26.07%
- Return on Assets
- 1.12%
- Headquarters
- Prattville, Alabama
- FDIC Certificate
- #58255
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, River Bank&Trust holds a Tier 1 capital ratio of 11.77%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning River Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
River Bank&Trust shows strong financial health indicators. With $3.4B in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How River Bank&Trust Compares
River Bank&Trust’s Health Score of 81 is 15 points above the Alabama state average of 66 across 78 FDIC-insured banks. Its 11.77% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 0.52% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 413 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, River Bank&Trust is 11 points above the portfolio average of 70.
Frequently Asked Questions
River Bank&Trust has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.77%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. River Bank&Trust's Tier 1 capital ratio of 11.77% and nonperforming loan ratio of 0.52% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at River Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58255). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
River Bank&Trust holds $3.4B in total assets and $2.9B in total deposits. It is headquartered in Prattville, Alabama (FDIC Certificate #58255).
River Bank&Trust has a Tier 1 capital ratio of 11.77%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.52%, and the return on assets is 1.12%.
Yes. River Bank&Trust is FDIC-insured (Certificate #58255). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
River Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.