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 52.53 percentage points in Q2 2026, from 607.71% to 660.24%. It was the largest change from Q1 2026 among the key lines here. Riverhills Bank ranks 6th of 57 Mississippi banks on return on assets, in the upper half at 2.28% (Q2 2026). Riverhills Bank's return on assets of 2.28% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.02 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.54% |
| Equity capital to assets | 12.43% |
| Tangible equity to tangible assets | 12.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 2.76% |
| Allowance for credit losses to loans | 2.07% |
| Reserve coverage of non-performing loans | 660.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.28% |
| Return on equity | 18.48% |
| Net interest margin | 4.44% |
| Efficiency ratio | 44.99% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.90% |
| Core deposits to total deposits | 90.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.07% |
| Securities to assets | 36.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.88% | 1.32% | 2.79% | 0.92% | 0.08% |
| Q4 2023 | 11.52% | -0.21% | 2.79% | 1.53% | 1.62% |
| Q1 2024 | 12.63% | 1.17% | 2.83% | 1.46% | 0.04% |
| Q2 2024 | 12.54% | 1.42% | 3.00% | 1.28% | 0.28% |
| Q3 2024 | 13.01% | 1.52% | 3.04% | 1.38% | 0.01% |
| Q4 2024 | 12.36% | 1.58% | 3.31% | 0.65% | 0.84% |
| Q1 2025 | 12.66% | 1.54% | 3.25% | 0.64% | 0.09% |
| Q2 2025 | 12.40% | 1.57% | 3.59% | 0.40% | 0.61% |
| Q3 2025 | 12.86% | 1.93% | 3.96% | 0.49% | 0.01% |
| Q4 2025 | 12.17% | 1.42% | 4.14% | 0.37% | -0.19% |
| Q1 2026 | 12.25% | 1.83% | 3.98% | 0.36% | -0.19% |
| Q2 2026 | 12.54% | 2.28% | 4.44% | 0.31% | -0.03% |
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 8234) · FFIEC NIC profile (RSSD 573335)