Riverhills Bank
Milford, OH · Cert 6662 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · New Richmond Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
$340.8MAssets
$287.0MLoans
$294.4MDeposits
$36.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 87% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 2 of 15).
- Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 12 of 15).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.17%
Rank 2 of 15
Net Interest Margin
4.20%
Rank 2 of 15
Efficiency Ratio
72.13%
Rank 7 of 15
Equity / Assets
10.58%
Rank 10 of 15
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 60% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.35% | 0.56% | 1.05% | Beats 87% | 2 / 15 | | |
| Return on Equity | 11.07% | 1.73% | 4.99% | 6.76% | Beats 80% | 3 / 15 | | |
| Net Interest Margin | 4.20% | 2.85% | 3.21% | 3.42% | Beats 87% | 2 / 15 | | |
| Efficiency Ratio | 72.13% | 64.82% | 75.45% | 88.43% | Beats 60% | 7 / 15 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.43% | 1.30% | Beats 80% | 4 / 15 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 40% | 10 / 15 | | |
| Capital |
| Tier 1 Capital Ratio | 13.11% | 13.11% | 14.76% | 20.06% | Beats 20% | 12 / 15 | | |
| Total Risk-Based Capital Ratio | 14.37% | 14.37% | 15.36% | 20.06% | Beats 20% | 12 / 15 | | |
| Equity / Assets | 10.58% | 10.14% | 11.33% | 20.42% | Beats 33% | 10 / 15 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.48% | 80.04% | 97.18% | 103.56% | 53rd pctl | 7 / 15 | | |
| Loans / Assets | 84.20% | 68.16% | 75.18% | 82.63% | 80th pctl | 3 / 15 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |