RIVERHILLS BANK

MILFORD, OH | Small | Est. Nov. 17, 1904, midnight | FDIC #6662 | RSSD #371223 | FDIC
Latest Report: 2025-12-31

RIVERHILLS BANK is asn small FDIC-insured commercial bank headquartered in MILFORD, OH, established in Nov. 17, 1904, midnight. As of 2025-12-31, the bank reported total assets of $344M and total deposits of $307M. Profitability stands at 1.59% ROA and 16.02% ROE, with a net interest margin of 5.03%. The bank's CET1 capital ratio is 13.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 1.12%. FDIC Certificate #6662.

Assets

$344M

Deposits

$307M

Loans

$272M

Equity

$34M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 16.02%
Net Interest Margin (NIM) 5.03%
Yield on Assets 6.50%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.12%
NPA Ratio 0.12%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 13.08%
Tier 1 Capital 13.08%
Total Capital Ratio 14.33%
Leverage Ratio 9.92%
Loan-to-Deposit 88.64%

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