Bank Comparison
Riverhills Bank vs Oregon Coast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Riverhills Bank | Oregon Coast Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.25% | 10.44% |
| Equity / Assets | 12.17% | 8.70% |
Profitability
| Metric | Riverhills Bank | Oregon Coast Bank |
|---|---|---|
| Return on Assets (ROA) | 1.83% | 1.08% |
| Return on Equity (ROE) | 15.17% | 12.76% |
| Net Interest Margin (NIM) | 3.98% | 3.48% |
| Yield on Earning Assets | 5.41% | 5.35% |
| Cost of Funds | 1.63% | 1.99% |
Asset quality
| Metric | Riverhills Bank | Oregon Coast Bank |
|---|---|---|
| Texas Ratio | 3.16% | 13.17% |
| Non-Performing Loan Ratio | 0.36% | 2.01% |
| Non-Performing Asset Ratio | 0.19% | 1.23% |
| Net Charge-Off Ratio | -0.19% | 0.00% |
| ACL / Loans | 2.20% | 1.09% |
Balance sheet
| Metric | Riverhills Bank | Oregon Coast Bank |
|---|---|---|
| Total Assets | $447,075K | $447,347K |
| Total Deposits | $390,336K | $407,188K |
| Total Loans | $236,844K | $269,863K |
| Total Equity | $54,400K | $38,922K |
| Net Income (quarter) | $2,037K | $1,232K |
Liquidity & funding
| Metric | Riverhills Bank | Oregon Coast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.68% | 66.27% |
| Core Deposit Ratio | 90.25% | 91.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Riverhills Bank | Oregon Coast Bank |
|---|---|---|
| Headquarters City | VICKSBURG | NEWPORT |
| Headquarters State | MS | OR |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 7 |
| Employees (FTE) | 52 | 70 |
| Established | Feb. 1, 1890, midnight | July 8, 2002, 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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