BlastPoint's Banking Scorecard
River Bank & Trust
Community
Specialty: Commercial
AL
FDIC cert 58255
Prattville, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
River Bank & Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+5.8% YoY
-1.5% QoQ
|
+$2.4B |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.7B
+9.2% YoY
+2.9% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$3.3B
+8.5% YoY
-0.7% QoQ
|
+$2.2B |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.18%
+25.6% YoY
+0.5% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.57%
+18.3% YoY
+1.9% QoQ
|
-0.10% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
48.23%
-11.7% YoY
-1.1% QoQ
|
-14.41% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.44%
+27.7% YoY
+53.2% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
80.73%
+0.6% YoY
+3.6% QoQ
|
-2.33% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
20.06%
-6.1% YoY
-0.4% QoQ
|
-0.98% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.35%
+46.7% YoY
+42.9% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
12.58%
+5.7% YoY
+2.0% QoQ
|
+2.34% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.55%
+15.2% YoY
+33.9% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#281 of 642 · Bottom 44% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Total Deposits
Current: $3.3B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
87
87th pctile
Efficiency Ratio
Current: 48.23% · Tier avg: 62.63%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.58% · Tier avg: 10.24%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 21.05%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.73% · Tier avg: 83.06%
Top Weaknesses
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.73% · Tier avg: 83.06%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 21.05%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.58% · Tier avg: 10.24%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
87
87th pctile
Efficiency Ratio
Current: 48.23% · Tier avg: 62.63%
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.3B · Tier avg: $1.2B