Riverhills Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 34.73 percentage points lower than in Q1 2026, at 510.92%. Within Ohio, Riverhills Bank is 27th of 156 on loan-to-deposit ratio, 97.48% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Riverhills Bank sits 16.54 points higher, at 97.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $287.0M |
| Net loans and leases | $283.2M |
| Loans held for sale | $4.7M |
| Loans to total assets | 84.20% |
| Loan-to-deposit ratio | 97.48% |
| Net loans to equity capital | 7.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.19% |
| Multifamily (5+ residential) | 56.13% |
| Commercial and industrial | 7.89% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 510.92% |
| Construction concentration (Tier 1 capital + allowance) | 63.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.76% |
| Interest income on loans | $4.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $213.7M | $243.4M | 19.23% | 7.73% | 0.32% |
| Q4 2023 | $225.9M | $247.0M | 18.57% | 7.72% | 0.27% |
| Q1 2024 | $242.6M | $248.0M | 17.86% | 7.33% | 0.27% |
| Q2 2024 | $251.3M | $244.4M | 16.99% | 7.14% | 0.25% |
| Q3 2024 | $257.2M | $263.3M | 16.36% | 7.14% | 0.23% |
| Q4 2024 | $255.4M | $271.9M | 16.23% | 7.16% | 0.22% |
| Q1 2025 | $262.2M | $271.2M | 15.41% | 7.80% | 0.25% |
| Q2 2025 | $265.5M | $291.6M | 13.58% | 8.59% | 0.23% |
| Q3 2025 | $273.6M | $305.9M | 12.95% | 9.38% | 0.24% |
| Q4 2025 | $272.2M | $307.2M | 14.73% | 8.19% | 0.23% |
| Q1 2026 | $288.0M | $306.7M | 12.74% | 7.39% | 0.22% |
| Q2 2026 | $287.0M | $294.4M | 14.19% | 7.89% | 0.24% |
Riverhills Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverhills Bank, freeSource: Call Report Schedule RC-C, 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)