Riverhills Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged down 1.5% between Q1 2026 and Q2 2026, to $1.1M. Riverhills Bank ranks 29th of 156 Ohio banks on net interest margin, in the upper half at 4.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Riverhills Bank sits 0.43 points higher, at 4.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 5.76% |
| Yield on securities | 5.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.13% | 1.96% | 4.28% | 5.66% | 7.49% |
| Q4 2023 | 6.47% | 1.97% | 4.62% | 6.05% | 7.81% |
| Q1 2024 | 5.86% | 2.22% | 3.77% | 5.35% | 7.54% |
| Q2 2024 | 5.84% | 2.23% | 3.76% | 5.47% | 7.62% |
| Q3 2024 | 5.96% | 2.09% | 4.02% | 5.70% | 7.97% |
| Q4 2024 | 6.46% | 1.88% | 4.74% | 6.34% | 7.60% |
| Q1 2025 | 5.60% | 1.71% | 4.01% | 5.47% | 6.68% |
| Q2 2025 | 6.02% | 1.54% | 4.61% | 6.03% | 6.27% |
| Q3 2025 | 5.60% | 1.54% | 4.17% | 5.62% | 6.33% |
| Q4 2025 | 5.93% | 1.51% | 4.59% | 6.29% | 4.80% |
| Q1 2026 | 5.61% | 1.41% | 4.31% | 5.76% | 5.58% |
| Q2 2026 | 5.67% | 1.43% | 4.38% | 5.76% | 5.50% |
Riverhills Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverhills Bank, freeSource: Call Report Schedules RI and RC-K, 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)