Bank Comparison
Magnolia State Bank vs Riverhills Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Magnolia State Bank | Riverhills Bank |
|---|---|---|
| CET1 Ratio | 13.96% | — |
| Tier 1 Capital Ratio | 13.96% | — |
| Total Capital Ratio | 15.01% | — |
| Tier 1 Leverage Ratio | 10.08% | 12.25% |
| Equity / Assets | 9.75% | 12.17% |
Profitability
| Metric | Magnolia State Bank | Riverhills Bank |
|---|---|---|
| Return on Assets (ROA) | -3.62% | 1.83% |
| Return on Equity (ROE) | -36.80% | 15.17% |
| Net Interest Margin (NIM) | 4.00% | 3.98% |
| Yield on Earning Assets | 5.58% | 5.41% |
| Cost of Funds | 1.69% | 1.63% |
Asset quality
| Metric | Magnolia State Bank | Riverhills Bank |
|---|---|---|
| Texas Ratio | 5.80% | 3.16% |
| Non-Performing Loan Ratio | 0.59% | 0.36% |
| Non-Performing Asset Ratio | 0.57% | 0.19% |
| Net Charge-Off Ratio | 0.22% | -0.19% |
| ACL / Loans | 0.89% | 2.20% |
Balance sheet
| Metric | Magnolia State Bank | Riverhills Bank |
|---|---|---|
| Total Assets | $465,611K | $447,075K |
| Total Deposits | $414,509K | $390,336K |
| Total Loans | $358,130K | $236,844K |
| Total Equity | $45,383K | $54,400K |
| Net Income (quarter) | $-4,356 | $2,037K |
Liquidity & funding
| Metric | Magnolia State Bank | Riverhills Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.40% | 60.68% |
| Core Deposit Ratio | 90.22% | 90.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Magnolia State Bank | Riverhills Bank |
|---|---|---|
| Headquarters City | Bay Springs | VICKSBURG |
| Headquarters State | MS | MS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 88 | 52 |
| Established | Aug. 4, 1975, midnight | Feb. 1, 1890, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Magnolia State Bank profile | View full Riverhills Bank profile | Browse all bank comparisons