Riverhills Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to average assets rose 0.37 percentage points in Q2 2026 to 10.53%, the biggest move on this page. Within Ohio, Riverhills Bank is 51st of 84 on CET1 ratio, 13.11% as of Q2 2026, below the middle of the field. Riverhills Bank reported 13.11% on CET1 ratio for Q2 2026, 1.96 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.11% |
| Tier 1 risk-based capital ratio | 13.11% |
| Total risk-based capital ratio | 14.37% |
| Tier 1 leverage ratio | 10.69% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.6M |
| Tier 1 capital | $36.6M |
| Total risk-based capital | $40.1M |
| Total equity capital | $36.0M |
| Risk-weighted assets | $279.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.58% |
| Tangible equity to tangible assets | 10.58% |
| Equity capital to average assets | 10.53% |
| Internal capital growth rate | 10.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $91K |
| Common stock surplus | $2.4M |
| Retained earnings | $34.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$564K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 10.82% | 11.94% | 8.92% | $265.8M |
| Q4 2023 | 11.02% | 11.02% | 12.17% | 9.10% | $265.9M |
| Q1 2024 | 10.94% | 10.94% | 12.07% | 9.06% | $275.8M |
| Q2 2024 | 11.41% | 11.41% | 12.63% | 9.33% | $269.6M |
| Q3 2024 | 11.78% | 11.78% | 13.03% | 9.88% | $267.1M |
| Q4 2024 | 12.09% | 12.09% | 13.34% | 10.01% | $261.8M |
| Q1 2025 | 11.94% | 11.94% | 13.19% | 10.28% | $271.2M |
| Q2 2025 | 12.82% | 12.82% | 14.07% | 10.49% | $261.7M |
| Q3 2025 | 13.08% | 13.08% | 14.33% | 10.32% | $263.4M |
| Q4 2025 | 13.08% | 13.08% | 14.33% | 9.92% | $264.6M |
| Q1 2026 | 12.54% | 12.54% | 13.79% | 10.32% | $284.4M |
| Q2 2026 | 13.11% | 13.11% | 14.37% | 10.69% | $279.2M |
Riverhills Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverhills Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Riverhills Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6662) · FFIEC NIC profile (RSSD 371223)