Riverhills Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 185.24 percentage points in Q2 2026, from 909.27% to 1094.51%. It was the largest change from Q1 2026 among the key lines here. Riverhills Bank ranks 74th of 156 Ohio banks on return on assets, in the upper half at 1.11% (Q2 2026). Riverhills Bank reported 1.11% on return on assets for Q2 2026, 0.15 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.11% |
| Tier 1 risk-based capital ratio | 13.11% |
| Total risk-based capital ratio | 14.37% |
| Tier 1 leverage ratio | 10.69% |
| Equity capital to assets | 10.58% |
| Tangible equity to tangible assets | 10.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.87% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 1094.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 10.66% |
| Net interest margin | 4.38% |
| Efficiency ratio | 73.89% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.48% |
| Core deposits to total deposits | 79.67% |
| Brokered deposits to total deposits | 19.50% |
| Deposits to assets | 86.38% |
| Securities to assets | 10.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 10.82% | 11.94% | 8.92% | 1.03% |
| Q4 2023 | 11.02% | 11.02% | 12.17% | 9.10% | 1.39% |
| Q1 2024 | 10.94% | 10.94% | 12.07% | 9.06% | 1.03% |
| Q2 2024 | 11.41% | 11.41% | 12.63% | 9.33% | 1.25% |
| Q3 2024 | 11.78% | 11.78% | 13.03% | 9.88% | 0.87% |
| Q4 2024 | 12.09% | 12.09% | 13.34% | 10.01% | 1.71% |
| Q1 2025 | 11.94% | 11.94% | 13.19% | 10.28% | 0.92% |
| Q2 2025 | 12.82% | 12.82% | 14.07% | 10.49% | 1.45% |
| Q3 2025 | 13.08% | 13.08% | 14.33% | 10.32% | 1.10% |
| Q4 2025 | 13.08% | 13.08% | 14.33% | 9.92% | 1.56% |
| Q1 2026 | 12.54% | 12.54% | 13.79% | 10.32% | 1.21% |
| Q2 2026 | 13.11% | 13.11% | 14.37% | 10.69% | 1.11% |
Riverhills Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverhills Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)