River Bank&Trust (FDIC #58255): Bank Stress & Real-Estate Credit Exposure
River Bank&Trust (FDIC Cert #58255): bank stress 65/100, elevated, STABLE over 7 days; parent RIVER FINANCIAL CORP (RVRF).
River Bank&Trust (#58255) lends in 17 counties across 2 states; River Bank&Trust (#58255) reaches 342 ZIP codes: Alabama 16 counties, 328 ZIPs; Florida 1 county, 14 ZIPs.
River Bank&Trust (#58255) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#58255), Mobile County, AL (117 branches, 39 ZIPs) (#58255), Tuscaloosa County, AL (28 branches, 28 ZIPs) (#58255), Montgomery County, AL (56 branches, 28 ZIPs) (#58255), Madison County, AL (25 branches, 25 ZIPs) (#58255), Baldwin County, AL (24 branches, 24 ZIPs) (#58255).
River Bank&Trust (#58255) reports $4.02 billion in total assets; River Bank&Trust (#58255) equity $355.1 million (8.8% of River Bank&Trust (#58255) assets); River Bank&Trust (#58255) domestic deposits $3.51 billion; River Bank&Trust (#58255) net income $29.2 million; River Bank&Trust (#58255) return on assets 1.49%; River Bank&Trust (#58255) return on equity 16.87%; River Bank&Trust (#58255) net interest income $69.3 million; River Bank&Trust (#58255) call report June 30, 2026.
River Bank&Trust (#58255) noncurrent real-estate loans 0.01% of its book; River Bank&Trust (#58255) net charge-offs on real estate 0.53%; River Bank&Trust (#58255) residential charge-offs 0.31%.
River Bank&Trust (#58255) net interest margin 3.81% against an eight-quarter River Bank&Trust (#58255) average of 3.43% (River Bank&Trust (#58255) compression -0.38 points); River Bank&Trust (#58255) real-estate loans 0.5% of equity; River Bank&Trust (#58255) non-residential real estate 31.1% of equity; River Bank&Trust (#58255) rate-exposure score 40/100, River Bank&Trust (#58255) fixed-rate trap 40/100; River Bank&Trust (#58255) risk type credit driven; River Bank&Trust (#58255) rate regime rates elevated; River Bank&Trust (#58255) shares 4.3% below the 52-week high, River Bank&Trust (#58255) equity trend stable, River Bank&Trust (#58255) snapshot October 19, 2026.
River Bank&Trust (#58255) stress score moved from 63.2 on June 22, 2026 to 64.8 on October 19, 2026; River Bank&Trust (#58255) ranged 63.2 to 64.8 over 116 snapshots.
River Bank&Trust (#58255) alerts: 17 counties; top River Bank&Trust (#58255) alert scores: Tuscaloosa County, AL 41 (moderate); Montgomery County, AL 40 (moderate); Alexander City County, AL 23 (low); Birmingham County, AL 23 (low); Clanton County, AL 23 (low).