| Metric | RiverHills Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.0 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $340.8M | $294.4M | $283.2M | $36.0M | $2.0M | 1.16% | 4.43% | 0.10% |
| Q1 2026 | $343.9M | $306.7M | $284.3M | $35.1M | $1.0M | 1.22% | 4.40% | 0.12% |
| Q4 2025 | $343.6M | $307.2M | $268.6M | $34.1M | $4.2M | 1.26% | 4.46% | 0.12% |
| Q3 2025 | $342.8M | $305.9M | $270.0M | $34.0M | $2.8M | 1.14% | 4.29% | 0.12% |
| Q2 2025 | $327.2M | $291.6M | $262.0M | $33.1M | $1.9M | 1.17% | 4.35% | 0.13% |
| Q1 2025 | $321.1M | $271.2M | $258.8M | $32.0M | $723K | 0.91% | 4.06% | 0.14% |
| Q4 2024 | $314.2M | $271.9M | $252.0M | $31.2M | $3.9M | 1.21% | 4.17% | 0.20% |
| Q3 2024 | $318.2M | $263.3M | $253.9M | $30.9M | $2.6M | 1.05% | 3.94% | 0.22% |
Loan mix (Q2 2026): real estate $263.2M · commercial $22.6M · consumer $686K · securities $36.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | RiverHills Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 62.9% | 73th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | RiverHills Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | RiverHills Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | RiverHills Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | RiverHills Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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