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River Bank & Trust
Prattville, AL·FDIC Cert #58255·Charter: STATE·Est. 20060403.0·HC: RIVER FINANCIAL CORP
Total Assets
$3.8B
Q4 2025
Return on Assets
1.18%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.23%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.18%+0.01
ROE
14.43%-0.28
Efficiency
48.23%-0.55
Equity/Assets
0.00%+0.00
NPL Ratio
0.44%+0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.73%+2.83
Charge-offs
0.13%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 0.9 | 0.9 | 1.0 | 1.2 | 1.2 | 1.2 |
| ROE | 10.5 | 11.8 | 12.4 | 12.6 | 12.8 | 15.0 | 14.7 | 14.4 |
| Efficiency | 57.5 | 56.7 | 55.6 | 54.6 | 49.7 | 49.2 | 48.8 | 48.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.5 | 0.5 | 0.3 | 0.3 | 0.2 | 0.3 | 0.4 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | -0.0 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 77.5 | 79.1 | 79.0 | 80.2 | 79.4 | 78.7 | 77.9 | 80.7 |
Balance Sheet
Total Assets$3.8B
Total Deposits$3.3B
Total Loans$2.7B
Total Equity$339.1M
Profitability
ROA1.18%
ROE14.43%
Efficiency Ratio48.23%
Net Income$43.8M
Risk & Asset Quality
NPL Ratio0.44%
Charge-off Rate0.13%
Loan/Deposit80.73%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans