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RiverHills Bank

$100M-$1B Specialty: Commercial OH FDIC cert 6662

Milford, OH

5 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH
View $100M-$1B leaderboard (OH) →

RiverHills Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.47% above tier average
  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 48.1% in tier
  • - Efficiency Ratio 4.84% above tier average
Get updates when RiverHills Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $343.9M
+7.1% YoY +0.1% QoQ
-$42.2M $386.1M
+0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
53%
Total Loans ? $284.3M
+9.9% YoY +5.9% QoQ
+$28.6M $255.7M
+1.1% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
65%
Total Deposits ? $306.7M
+13.1% YoY -0.1% QoQ
-$21.2M $328.0M
+0.1% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
56%
Return on Assets ? 1.22%
+34.0% YoY -3.4% QoQ
-0.05% 1.27%
+12.9% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
51%
Net Interest Margin ? 4.40%
+8.5% YoY -1.2% QoQ
+0.47% 3.93%
+6.0% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
78%
Efficiency Ratio ? 70.13%
-6.4% YoY +2.1% QoQ
+4.84% 65.29%
-4.5% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
32%
Delinquency Rate ? 0.14%
-15.4% YoY -8.4% QoQ
-0.74% 0.89%
+18.8% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
69%
Loan-to-Deposit Ratio ? 92.68%
-2.9% YoY +6.0% QoQ
+16.05% 76.64%
+0.8% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
19%
Non-Interest-Bearing Deposit Share ? 23.00%
+3.8% YoY -5.6% QoQ
+0.98% 22.02%
-1.0% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.12%
-13.2% YoY -3.2% QoQ
-0.52% 0.64%
+19.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
68%
Tier 1 Capital Ratio ? 12.54%
+5.0% YoY -4.1% QoQ
-3.29% 15.83%
+1.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.19%
+11.5% YoY -73.1% QoQ
-0.09% 0.28%
+9.3% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#310 of 643 • Bottom 48.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.68%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

401
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#401 of 2664 Top 15.0% in $100M-$1B
592
Net Interest Margin
profitability
Value: 4.40%
Peer Median: 3.93%
#592 of 2664 Top 22.2% in $100M-$1B

Top Weaknesses (1 metrics)

2157
Loan-to-Deposit Ratio
liquidity
Value: 92.68%
Peer Median: 76.64%
#2157 of 2664 Bottom 19.1% in $100M-$1B
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