RIVERHILLS BANK

VICKSBURG, MS | Small | Est. Feb. 1, 1890, midnight | FDIC #8234 | RSSD #573335 | FDIC
Latest Report: 2025-12-31

RIVERHILLS BANK is asn small FDIC-insured commercial bank headquartered in VICKSBURG, MS, established in Feb. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $432M and total deposits of $376M. Profitability stands at 1.43% ROA and 11.38% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 12.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 1.43%. FDIC Certificate #8234.

Assets

$432M

Deposits

$376M

Loans

$222M

Equity

$53M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 11.38%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.89%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.10%
Texas Ratio 1.43%
NPA Ratio 0.19%
ACL / Loans 2.19%

Capital & Liquidity

CET1 Ratio 12.29%
Tier 1 Capital 12.29%
Total Capital Ratio 12.90%
Leverage Ratio 12.17%
Loan-to-Deposit 59.04%

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