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.
Cre concentration (tier 1 capital + allowance) dropped 38.06 percentage points in Q2 2026, from 143.73% to 105.67%. It was the largest change from Q1 2026 among the key lines here. Riverhills Bank ranks 35th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 67.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Riverhills Bank sits 12.94 points lower, at 67.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $263.2M |
| Net loans and leases | $257.7M |
| Loans held for sale | $0 |
| Loans to total assets | 59.12% |
| Loan-to-deposit ratio | 67.90% |
| Net loans to equity capital | 4.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.82% |
| Multifamily (5+ residential) | 3.93% |
| Commercial and industrial | 12.32% |
| Consumer | 1.63% |
| Credit cards | 0.00% |
| Farm | 5.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.52% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.67% |
| Construction concentration (Tier 1 capital + allowance) | 46.60% |
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 | — |
| Interest income on loans | $4.2M |
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 | $154.5M | $346.9M | 34.30% | 14.17% | 3.01% |
| Q4 2023 | $147.6M | $352.1M | 35.07% | 16.08% | 3.26% |
| Q1 2024 | $148.7M | $362.9M | 36.20% | 14.97% | 3.25% |
| Q2 2024 | $151.1M | $358.5M | 36.57% | 14.95% | 3.49% |
| Q3 2024 | $156.4M | $347.3M | 34.58% | 14.54% | 3.37% |
| Q4 2024 | $155.7M | $359.9M | 34.48% | 14.14% | 3.39% |
| Q1 2025 | $168.3M | $382.7M | 33.73% | 13.17% | 2.78% |
| Q2 2025 | $189.0M | $368.7M | 33.81% | 12.30% | 2.41% |
| Q3 2025 | $201.2M | $368.6M | 29.85% | 13.64% | 2.27% |
| Q4 2025 | $222.2M | $376.3M | 29.25% | 13.87% | 2.11% |
| Q1 2026 | $236.8M | $390.3M | 29.51% | 13.40% | 1.72% |
| Q2 2026 | $263.2M | $387.6M | 27.82% | 12.32% | 1.63% |
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 8234) · FFIEC NIC profile (RSSD 573335)