River Bank & Trust is a community bank headquartered in Prattville, Alabama, operating through 23 full-service offices across Alabama's major markets — including Montgomery, Birmingham, Huntsville, Mobile, Auburn-Opelika, Dothan, and Gadsden — plus a loan production office in Destin, Florida. The bank serves businesses, business owners, and professionals, with its core business centered on taking deposits and making loans. The loan portfolio is heavily weighted toward real estate, which makes up roughly 77% of total loans, with C&I loans comprising another 16%. River Bank & Trust operates on a classic net interest margin model — earning on loans and investments while funding itself primarily through core deposits. The bank emphasizes a "deposit first" philosophy, prioritizing low-cost checking and NOW account acquisition as a stable funding base. Beyond interest income, the bank earns fees from originating residential mortgages for sale into the secondary market, deposit service charges, and investment brokerage services. River Bank & Trust differentiates itself from larger competitors through personalized service, local market knowledge, and community relationships. The bank is expanding organically, with new full-service offices planned for Tuscaloosa and Destin, and now covers all 10 of the top 10 MSAs in Alabama.