Bank Comparison
Riverhills Bank vs Exchange Bank of Missouri
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Riverhills Bank | Exchange Bank of Missouri |
|---|---|---|
| CET1 Ratio | — | 11.68% |
| Tier 1 Capital Ratio | — | 11.68% |
| Total Capital Ratio | — | 12.67% |
| Tier 1 Leverage Ratio | 12.25% | 9.56% |
| Equity / Assets | 12.17% | 9.29% |
Profitability
| Metric | Riverhills Bank | Exchange Bank of Missouri |
|---|---|---|
| Return on Assets (ROA) | 1.83% | 2.72% |
| Return on Equity (ROE) | 15.17% | 29.85% |
| Net Interest Margin (NIM) | 3.98% | 4.12% |
| Yield on Earning Assets | 5.41% | 6.78% |
| Cost of Funds | 1.63% | 2.79% |
Asset quality
| Metric | Riverhills Bank | Exchange Bank of Missouri |
|---|---|---|
| Texas Ratio | 3.16% | 22.57% |
| Non-Performing Loan Ratio | 0.36% | 2.30% |
| Non-Performing Asset Ratio | 0.19% | 2.18% |
| Net Charge-Off Ratio | -0.19% | 0.00% |
| ACL / Loans | 2.20% | 1.06% |
Balance sheet
| Metric | Riverhills Bank | Exchange Bank of Missouri |
|---|---|---|
| Total Assets | $447,075K | $447,040K |
| Total Deposits | $390,336K | $403,044K |
| Total Loans | $236,844K | $338,503K |
| Total Equity | $54,400K | $41,537K |
| Net Income (quarter) | $2,037K | $3,001K |
Liquidity & funding
| Metric | Riverhills Bank | Exchange Bank of Missouri |
|---|---|---|
| Loan-to-Deposit Ratio | 60.68% | 83.99% |
| Core Deposit Ratio | 90.25% | 87.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Riverhills Bank | Exchange Bank of Missouri |
|---|---|---|
| Headquarters City | VICKSBURG | FAYETTE |
| Headquarters State | MS | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 52 | 67 |
| Established | Feb. 1, 1890, midnight | Nov. 19, 1927, 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.
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