Riverhills Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Riverhills Bank of Milford, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.35% | -0.24% | 39th below |
| ROAE | 10.66% | 12.05% | -1.39% | 40th below |
| Net Interest Margin | 4.38% | 3.90% | +0.48% | 74th above |
| Efficiency Ratio | 73.89% | 63.15% | +10.74% | 21st bottom |
| PPNR / Avg Assets | 1.32% | 1.64% | -0.32% | 35th below |
| Yield on Earning Assets | 5.67% | 5.65% | +0.02% | 53rd above |
| Cost of Funds | 1.43% | 1.85% | -0.42% | 73rd above |
| Net Interest Spread | 3.86% | 3.35% | +0.51% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.92% | -0.80% | 71st above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 70th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) | 1094.51% | 1645.37% | -550.86% | — |
| Texas Ratio | 0.87% | 7.15% | -6.28% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.11% | 20.83% | -7.72% | 30th below |
| Tier 1 Ratio | 13.11% | 20.87% | -7.76% | 29th below |
| Total Capital Ratio | 14.37% | 21.94% | -7.57% | 31st below |
| Leverage Ratio | 10.69% | 12.46% | -1.77% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.58% | 11.67% | -1.09% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.58% | 11.40% | -0.82% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.48% | 78.64% | +18.84% | 14th bottom |
| Core Deposit Ratio | 79.67% | 87.10% | -7.43% | 15th bottom |
| Wholesale Funding Ratio | 2.46% | 5.11% | -2.65% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.16% | 6.47% | -2.31% | 48th below |
| Loan Growth (Y/Y) | 8.08% | 7.64% | +0.44% | 65th above |
| Deposit Growth (Y/Y) | 0.94% | 6.02% | -5.08% | 29th below |
See Riverhills Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Riverhills Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Riverhills Bank profile, how to read a UBPR, or how this data updates.