Riverhills Bank (Vicksburg, MS)
BankRegReports is independent of Riverhills Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Riverhills Bank is an FDIC-insured commercial bank headquartered in Vicksburg, MS, established in 1890 (FDIC certificate 8234), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $445.2M, up 5.6% from Q2 2025, the 29th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8234
- Headquarters
- Vicksburg, MS
- Established
- 1890
- Total assets, Q2 2026
- $445.2M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 12.54%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065301647
- Holding company
- RIVERHILLS CAPITAL CORPORATION
- Asset rank in state
- 29th of 57 in Mississippi
Riverhills Bank is one of the more profitable banks of its size. It reported $445 million in assets at June 30, 2026, up 5.6% from a year earlier. It earns about $2.28 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also grew its loan book 39.2% over the year, 7.2 times the median of 5.5% for banks its size. Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $2.5 million, 51% above the same quarter a year earlier. Over the same year, loans grew 39.2% and deposits grew 5.1%. One more trend to watch: the commercial and industrial book ($32 million) is worsening: 3.64% of it is past due or on nonaccrual, up from 1.66% a year earlier.
As of June 30, 2026, Riverhills Bank reported a return on assets of 2.28%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 2.76%. The figures come from its call report filed with the FFIEC.
Riverhills Bank ranks as the 29th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $445.2M, loans rose 11.1% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.6% of total loans, ahead of owner-occupied commercial real estate loans at 19.2%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in MS; its Port Gibson office books 47% of its branch deposits. Judged on its Q2 2026 call report, Riverhills Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1400 Highway 61 N, Vicksburg, MS 39183
- County
- Warren
- Metro Area
- Vicksburg, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1890
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $387.6M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- -$130K
- Average total assets
- $445.3M
- Average total loans
- $254.0M
- Average interest-bearing deposits
- $301.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8234
- Fed RSSD
- 573335
- SEC CIK
- 1935184 → filed by RIVERHILLS CAPITAL CORPORATION
- Website
- www.riverhillsbank.com →
- Parent Holding Company
- RIVERHILLS CAPITAL CORPORATION (RSSD 1082786)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Riverhills Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Riverhills Bank's total assets moved between a low of $388.3M (Q3 2023) and a high of $447.1M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$445.2M total assets against $421.6M; $389.8M total liabilities against $371.2M.
$257.7M net loans and leases against $184.7M; $387.6M total deposits against $368.7M.
$160.4M securities against $203.2M; $12.9M cash and balances due against $20.2M.
$6.1M total interest income against $5.4M; $1.6M total interest expense against $1.7M.
$4.5M net interest income against $3.6M.
$616K total noninterest income against $393K; $2.4M total noninterest expense against $2.2M.
$225K provision for credit losses against $120K.
$2.5M net income against $1.7M.
2.28% return on assets against 1.57%; 4.44% net interest margin against 3.59%.
12.54% tier 1 leverage ratio against 12.40%.
Inside the full Riverhills Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRiverhills Bank rankings
Its closest position to the top of a national ranking is 258 of 3,611, for ROA; its furthest is 1,937 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.42% (Q4 2025) to 2.28% (Q2 2026) and its net interest margin ran from 3.04% (Q3 2024) to 4.44% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.54% | 2.28% | 0.64% | 2.76% | 4.44% |
| Q1 2026 | 12.25% | 1.83% | 0.79% | 3.16% | 3.98% |
| Q4 2025 | 12.17% | 1.42% | 1.21% | 4.65% | 4.14% |
| Q3 2025 | 12.86% | 1.93% | 1.26% | 4.26% | 3.96% |
| Q2 2025 | 12.40% | 1.57% | 0.87% | 3.01% | 3.59% |
| Q1 2025 | 12.66% | 1.54% | 1.54% | 4.74% | 3.25% |
| Q4 2024 | 12.36% | 1.58% | 1.69% | 5.09% | 3.31% |
| Q3 2024 | 13.01% | 1.52% | 3.27% | 9.31% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Market Street Branch | Port Gibson , MS | 39150 | $183.4M |
| Riverhills Bank (main office) | Vicksburg , MS | 39183 | $176.2M |
| Madison Branch | Madison , MS | 39110 | $24.2M |
| Riverhills Bank Branch | Oxford , MS | 38655 | $3.8M |
| Frontage Road Branch | Vicksburg , MS | 39180 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 16, 1990 | Structure Change | Acquired Unifirst Bank for Savings, a Federal Savings and Loan Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MS, rank 34 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 128 applications, 109 loans originated, $38.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $240K approved, $240K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Riverhills Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Riverhills Bank
What are Riverhills Bank's total assets?
As of the Q2 2026 filing, Riverhills Bank reported total assets of $445.2 million in its FFIEC call report.
Where is Riverhills Bank headquartered?
It is headquartered in Vicksburg, MS, United States.
When was Riverhills Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Riverhills Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverhills Bank?
Riverhills Bank's primary federal regulator is the FDIC.
How many branches does Riverhills Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Riverhills Bank's Texas Ratio?
Its Texas Ratio is 2.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Riverhills Bank.
Get an email when Riverhills Bank files its next call report, and benchmark it against any peer you choose.
Unlock Riverhills Bank, freeFree account