BanksRIVERHILLS BANK

RIVERHILLS BANK

MILFORD, OHSmallEst. Nov. 17, 1904, midnightFDIC #6662RSSD #371223FDIC
Latest · 2025-12-31

RIVERHILLS BANK is an 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%. CET1 capital ratio: 13.08%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 1.12%. Operates 5 domestic branches.

Assets
$344M
Deposits
$307M
Loans
$272M
Equity
$34M

Profitability

Return on Assets (ROA)1.59%
Return on Equity (ROE)16.02%
Net Interest Margin5.03%
Yield on Assets6.50%
Cost of Funds1.52%

Asset Quality

NPL Ratio0.16%
Net Charge-Off Ratio-0.01%
Texas Ratio1.12%
NPA Ratio0.12%
ACL / Loans1.35%

Capital & Liquidity

CET1 Ratio13.08%
Tier 1 Capital13.08%
Total Capital Ratio14.33%
Leverage Ratio9.92%
Loan-to-Deposit88.64%

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