River Bank & Trust Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.riverbankandtrust.com

334-290-1012

2611 Legends Drive
Prattville, AL 36066

River Bank & Trust is headquartered in PRATTVILLE and is the 3^rd largest bank in the state of Alabama. It is also the 358^th largest bank in the nation. It was established in 2006 and as of March of 2025, it had grown to 344 employees at 23 locations. River Bank & Trust has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	58255
Year Established	2006
Employees	344
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	12.77%
Annual Interest Income	$46.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$3.63B$3.37B
Loans	Q1 2025vs Q1 2024	$2.51B$2.24B
Deposits	Q1 2025vs Q1 2024	$3.16B$2.9B
Equity Capital	Q1 2025vs Q1 2024	$287MM$238.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$33.8MM$29.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$8.5MM$4.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$114K$924K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Locations

Availability

Montgomery Area

Montgomery Area bank & credit union details

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