BlastPoint's Banking Scorecard
River Bank & Trust
Designations: ✓ Community bank ✓ CDFI-certified
Prattville, AL
25 branches across AL · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
- Deposits +8.8% year over year ($3.5B on the books).
- Delinquency rate 0.49%.
- Return on assets 1.49%.
- Efficiency ratio 47.25% vs a 59.73% peer average.
- Loan-to-deposit ratio 80.47% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
River Bank & Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Efficiency Ratio 12.48% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+9.0% YoY
+2.6% QoQ
|
+$1.2B |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$2.8B
+11.2% YoY
+4.0% QoQ
|
+$858.3M |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$3.5B
+8.8% YoY
+1.6% QoQ
|
+$1.2B |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.49%
+26.7% YoY
-1.9% QoQ
|
+0.10% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
3.81%
+10.7% YoY
+0.8% QoQ
|
-0.06% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
47.25%
-3.9% YoY
+2.8% QoQ
|
-12.48% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
0.49%
+136.5% YoY
-1.9% QoQ
|
-0.37% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
80.47%
+2.3% YoY
+2.4% QoQ
|
-4.57% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
19.89%
-1.6% YoY
-2.6% QoQ
|
-1.38% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.39%
+103.1% YoY
+0.3% QoQ
|
-0.29% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.57%
+2.1% YoY
+0.3% QoQ
|
-2.28% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.29%
+3.5% YoY
+101.5% QoQ
|
-0.24% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
-0.3pp YoY -0.5pp QoQ |
-1.5pp | 21.4% | 24.0% | 22.2% | 50% |
| Brokered Deposits | n/a | n/a | 9.5% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
+0.7pp YoY +0.5pp QoQ |
-2.1pp | 14.0% | 16.9% | 12.5% | 54% |
| CRE |
39.2%
+1.0pp YoY -0.3pp QoQ |
-10.8pp | 50.0% | 43.5% | 41.4% | 23% |
| 1-4 Family |
40.8%
-0.9pp YoY -0.3pp QoQ |
+14.4pp | 26.4% | 30.6% | 31.3% | 83% |
| Consumer |
1.8%
-0.4pp YoY -0.1pp QoQ |
-3.0pp | 4.7% | 5.7% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
+0.3pp YoY 0.0pp QoQ |
-3.0pp | 15.6% | 15.1% | 19.7% | 34% |
| Leverage Ratio |
9.2%
+0.4pp YoY +0.1pp QoQ |
-2.1pp | 11.3% | 13.2% | 12.6% | 17% |
| Total Capital Ratio |
13.8%
+0.3pp YoY 0.0pp QoQ |
-2.9pp | 16.7% | 16.2% | 20.8% | 36% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
394
+31 (+8.5%) YoY +7 (+1.8%) QoQ |
+80 | 313 | 304 | 482 | 77% |
| Assets per Employee ($) |
$10.2M
+0.4% YoY +0.8% QoQ |
-$284K | $10.5M | $6.9M | $8.8M | 67% |
| Branch Count |
25
+2 (+8.7%) YoY +1 (+4.2%) QoQ |
+5 | 20 | 20 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 23% |
| Nonaccrual |
0.5%
+0.3pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 1.2% | 1.0% | 48% |
| Allowance Coverage |
2.87x
-54.9% YoY +2.9% QoQ |
-15.84x | 18.71x | 7.50x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
+1.9pp YoY -0.3pp QoQ |
+4.3pp | 12.6% | 10.0% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.7% | 1.7% | 52% |
| Net Income ($, YTD) |
$29.2M
+36.2% YoY — QoQ |
+$9.9M | $19.2M | $17.2M | $40.4M | 82% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.