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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Alabama, the state note

River Bank & Trust

Prattville, Alabama · $4.02B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

22.3%
CRE / loans
1st of 12
1.47%
ROA
1st of 12
47.4%
Efficiency
1st of 12

River Bank & Trust is the largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $4.02B in assets at 30 June 2026. Loans are 81.6% of deposits, 6th of 12 against a median of 83.4%, and equity is 8.8% of assets, 6th of 12. Loans grew +11.3% in the year, 5th of 12, and deposits grew 8.8%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.48% of the book, 6th of 12 against a median of 0.56%; 0.60% is 30 to 89 days past due, and the allowance covers them 2.9 times. Commercial real estate is 22.3% of loans, the lowest in the cohort against a median of 30.3%, and 159% of capital, below the 300% screen, with construction at 66% against the 100% screen.

Return on assets is 1.47%, the highest in the cohort against a median of 1.16%, on an efficiency ratio of 47.4%, the lowest in the cohort. Five years ago it was 1.28%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansSouth Central states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 30.3% RB River Bank & Trust 22.3% GC Gulf Coast Bank & Trust Co. 23.2% SB Southeast Bank 24.0% IB Independence Bank of Kentucky 26.4% IB Investar Bank National Association 30.0% RR Red River Bank 30.3% FC First Community Bank 30.3% BF Bankfirst Financial Services 33.7% HB Home Bank National Association 34.3% FG First Guaranty Bank 40.0% EB Encore Bank 40.2% CB Central Bank & Trust Co. 45.8%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.9% IB Investar Bank National Association +45.3% BF Bankfirst Financial Services +23.9% FC First Community Bank +12.4% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% SB Southeast Bank +8.0% RR Red River Bank +5.7% CB Central Bank & Trust Co. +5.3% IB Independence Bank of Kentucky +1.1% HB Home Bank National Association +0.5% EB Encore Bank -6.9% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

River Bank & Trust is the 47th largest 7(a) lender into Alabama of 277, with $20M across 34 loans, 0.5% of everything approved in the state (Live Oak Banking Company leads with $371M). 2 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Alabama, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jefferson, AL$6M33rd of 1280.8%thin
Montgomery, AL$4M23rd of 911.4%thin
Etowah, AL$3M7th of 445.5%thin
Baldwin, AL$2M44th of 840.6%thin
Madison, AL$1M51st of 1040.4%thin
Chambers, AL$1M6th of 263.7%quiet FY2018
Elmore, AL$950K7th of 273.3%thin
Autauga, AL$910K16th of 321.9%thin
Saint Clair, AL$720K16th of 381.7%thin
Cullman, AL$354K24th of 360.7%quiet FY2018
Mobile, AL$250K86th of 980.1%thin
Lauderdale, AL$141K29th of 380.3%thin
Coffee, AL$125K16th of 210.6%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services8$8M41.1%0.01%633rd of 2,596
Retail trade7$3M12.7%0.00%1044th of 2,589
Health care & social assistance3$2M9.1%0.00%900th of 2,172
Manufacturing2$1M7.0%0.00%1245th of 2,246
Professional & technical services4$1M6.6%0.00%893rd of 1,955
7(a) lenders into Alabama, share of approvals since FY2008277 lenders on record; the ten largest and River Bank & Trust
LO Live Oak Banking Company 9.8% $371M · 254 loans PB Pinnacle Bank 4.2% $160M · 157 loans TH The Huntington National Bank 4.1% $156M · 288 loans PB PNC Bank, National Association 4.1% $154M · 1,039 loans RB Regions Bank 3.7% $139M · 234 loans MC Metro City Bank 3.0% $115M · 113 loans FF First Financial Bank 2.7% $101M · 160 loans UC United Community Bank 2.5% $94M · 126 loans SB Southstate Bank, National Associa… 2.4% $91M · 99 loans WF Wells Fargo Bank National Associa… 2.2% $83M · 613 loans RB River Bank and Trust 0.5% $20M · 34 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
River Bank & TrustRankCohort median
Total CRE against capital, the 300% screen159%2nd of 12213%
Construction against capital, the 100% screen66%9th of 1260%
Construction and land development, share of loans9.2%6th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans10.6%2nd of 1216.4%
Total CRE, the guidance definition, share of loans22.3%1st of 1230.3%
CRE growth over 36 months, the third prong+22.1%5th of 12+25.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Independence Bank of Kentucky$3.83B1.1%64.1%0.12%0.00%1.0%70.5%8.3%
Encore Bank$3.70B0.4%85.2%0.17%0.14%1.3%81.2%8.4%
First Community Bank$3.63B1.3%56.2%0.31%0.14%1.0%102.8%7.8%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Southeast Bank$3.58B0.7%71.4%2.66%0.09%0.6%96.6%8.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Bankfirst Financial Services$3.31B1.1%65.3%0.77%0.10%1.3%80.3%13.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
River Bank & TrustCohort median
20212026Change20212026Change
Loans$1.24B$2.86B+130%$1.74B$2.80B+61%
Deposits$2.00B$3.51B+75%$2.30B$3.17B+38%
NPA / loans0.24%0.48%+0.25 pts0.65%0.56%-0.09 pts
Efficiency50.7%47.4%-3.3 pts63.8%64.7%+1.0 pts
ROA1.28%1.47%+0.18 pts1.09%1.16%+0.07 pts

This read was prepared for River Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on River Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.riverbankandtrust.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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