B
River Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings River Bank & Trust
Prattville, AL
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Rating B
Asset Quality Index 8.10
Capitalization Index 6.80
Liquidity Index 2.80
Profitability Index 5.50
Stability Index 7.30
Company Info River Bank & Trust
Prattville, AL
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FDIC Number 58255
Phone Number (334) 290-1012
Website www.riverbankandtrust.com
Asset Quality River Bank & Trust
Prattville, AL
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1-Year Asset Growth 9.94%
5-Year Asset Growth 32.50%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 2.06%
Non-Performing Loans to Loans 0.29%
Balance Sheet River Bank & Trust
Prattville, AL
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Total Assets 3.84B
Total Deposits 3.35B
Capital and Reserves River Bank & Trust
Prattville, AL
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Capital 321.99M
Leverage Ratio 8.80
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 13.58
Liquidity River Bank & Trust
Prattville, AL
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Hot Money Ratio 19.56%
Liquidity Ratio 20.31%
Profitability River Bank & Trust
Prattville, AL
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5-Year Return on Average Assets 1.07%
Net Income 32.49M
Net Interest Spread 3.45%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 49.07%
Return on Assets 1.17%
Return on Equity 14.75%