| Metric | RiverHills Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +39.5% | +5.6% | +33.9 pts |
| ROA | 2.07% | 1.24% | +0.8 pts |
| ROE | 16.9% | 11.9% | +5.0 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.2M | $387.6M | $257.7M | $55.3M | $4.6M | 2.07% | 4.15% | 0.38% |
| Q1 2026 | $447.1M | $390.3M | $231.6M | $54.4M | $2.0M | 1.85% | 4.03% | 0.42% |
| Q4 2025 | $431.8M | $376.3M | $217.3M | $53.0M | $6.9M | 1.61% | 3.70% | 0.62% |
| Q3 2025 | $426.2M | $368.6M | $196.8M | $55.1M | $5.3M | 1.68% | 3.56% | 0.60% |
| Q2 2025 | $421.6M | $368.7M | $184.7M | $50.4M | $3.3M | 1.55% | 3.38% | 0.39% |
| Q1 2025 | $435.5M | $382.7M | $163.8M | $50.1M | $1.6M | 1.50% | 3.16% | 0.59% |
| Q4 2024 | $409.9M | $359.9M | $151.3M | $47.3M | $5.8M | 1.42% | 3.03% | 0.64% |
| Q3 2024 | $400.8M | $347.3M | $151.8M | $50.5M | $4.1M | 1.36% | 2.94% | 1.28% |
Loan mix (Q2 2026): real estate $219.1M · commercial $32.4M · consumer $4.3M · securities $160.4M
| Ratio | RiverHills Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.3% | 62.9% | 13th |
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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