AL lenders / Community Bank
River Bank & Trust
Community Bank · Prattville, AL · River Financial Corp
- Total assets
- $3.9B
- CRE loan book
- $1.1B
- QoQ CRE growth
- 1.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.25% as of Q1 2026 — TX bank median 4.87% (1.38pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.25% | 6.43% |
| Q4 2025 | 6.38% | 6.58% |
| Q3 2025 | 6.40% | 6.64% |
| Q2 2025 | 6.25% | 6.51% |
| Q1 2025 | 6.14% | 6.37% |
| Q4 2024 | 6.18% | 6.43% |
| Q3 2024 | 6.08% | 6.40% |
| Q2 2024 | 5.88% | 6.15% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.1B | $252.1M | $71.8M | 160% | $3.1M |
| Q4 2025 | $1.1B | $252.5M | $53.3M | 159% | $1.6M |
| Q3 2025 | $1.0B | $259.7M | $51.7M | 159% | $863,000 |
| Q2 2025 | $969.0M | $275.8M | $39.1M | 166% | $643,000 |
| Q1 2025 | $965.7M | $273.1M | $37.5M | 171% | $4.1M |
| Q4 2024 | $950.2M | $292.9M | $19.7M | 170% | $4.2M |
| Q3 2024 | $927.6M | $267.0M | $29.7M | 170% | $5.8M |
| Q2 2024 | $898.7M | $274.7M | $22.1M | 173% | $5.9M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Westfield BankCommunity Bank · Westfield · $1.1B CRE book
- Builtwell BankCommunity Bank · Chattanooga · $1.1B CRE book
- First Farmers Bank & Trust Co.Community Bank · Converse · $1.1B CRE book
- LCNB National BankCommunity Bank · Lebanon · $1.1B CRE book
- First Guaranty BankCommunity Bank · Hammond · $1.1B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.