River Bank & Trust: how it compares with its peers
Against 417 U.S. banks with half to twice its assets, River Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (47.25% vs. a 57.84% peer median). Its weakest relative measure is net interest margin (3.81% vs. 3.67%).
| Measure | River Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.28% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.67% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.25% | 57.84% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $9.3M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.47% | 88.90% | Context |
What it means for lending operations
Its efficiency ratio of 47.25% is better than the 57.84% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Union Savings Bank Cincinnati, OH · $4.02B
- California Bank of Commerce, National Association San Diego, CA · $4.02B
- Central Bank & Trust Co. Lexington, KY · $4.01B
- West Bank West Des Moines, IA · $4.03B
- Spencer Savings Bank, SLA Elmwood Park, NJ · $4.04B
- Gate City Bank Fargo, ND · $4.04B
Questions about River Bank & Trust
How big is River Bank & Trust?
River Bank & Trust, established in 2006, is headquartered in Prattville, AL. It reported $4.02B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is River Bank & Trust's return on assets?
1.49% annualized in Q2 2026, against a 1.28% median for 417 U.S. banks with half to twice its assets, ahead of 68% of them.
What is River Bank & Trust's efficiency ratio?
47.25% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 57.84%, and lower is better.
Is River Bank & Trust growing its loans?
Net loans grew 11.2% over the year to Q2 2026, while deposits grew 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.