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 standout move of Q2 2026 was in Net interest margin: 0.46 percentage points higher than in Q1 2026, at 4.44%. Within Mississippi, Riverhills Bank is 14th of 57 on net interest margin, 4.44% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Riverhills Bank sits 0.49 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 2.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 |
|---|---|---|---|
| Q3 2023 | 4.12% | 1.35% | 2.79% |
| Q4 2023 | 4.26% | 1.48% | 2.79% |
| Q1 2024 | 4.43% | 1.61% | 2.83% |
| Q2 2024 | 4.69% | 1.72% | 3.00% |
| Q3 2024 | 4.82% | 1.82% | 3.04% |
| Q4 2024 | 5.07% | 1.81% | 3.31% |
| Q1 2025 | 4.93% | 1.70% | 3.25% |
| Q2 2025 | 5.25% | 1.69% | 3.59% |
| Q3 2025 | 5.56% | 1.66% | 3.96% |
| Q4 2025 | 5.63% | 1.56% | 4.14% |
| Q1 2026 | 5.41% | 1.48% | 3.98% |
| Q2 2026 | 5.99% | 1.56% | 4.44% |
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 8234) · FFIEC NIC profile (RSSD 573335)