BlastPoint's Banking Scorecard

RiverHills Bank

$100M-$1B Specialty: Commercial MS FDIC cert 8234

Designations: ✓ CDFI-certified

Vicksburg, MS

5 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
Deposits +5.1% year over year ($387.6M on the books).
Delinquency rate 0.65%.
Return on assets 2.07%.
Efficiency ratio 48.35% vs a 64.48% peer average.
Loan-to-deposit ratio 66.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

RiverHills Bank shows strong momentum with 4 strengths and 5.6% YoY asset growth

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

+ Profitability Leader: Top 19.4% in tier
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 16.13% below tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when RiverHills Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$445.2M +5.6% YoY -0.4% QoQ	+$58.6M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$257.7M +39.5% YoY +11.3% QoQ	-$626K	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$387.6M +5.1% YoY -0.7% QoQ	+$60.8M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	2.07% +34.1% YoY +11.7% QoQ	+0.75%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	Top 11.7% in tier
Net Interest Margin ?	4.15% +22.7% YoY +3.0% QoQ	+0.16%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	48.35% -10.2% YoY -4.9% QoQ	-16.13%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	Top 13.7% in tier
Delinquency Rate ?	0.65% -26.8% YoY -19.8% QoQ	-0.27%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	40%
Loan-to-Deposit Ratio ?	66.49% +32.7% YoY +12.0% QoQ	-11.46%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	29.70% +3.1% YoY +4.6% QoQ	+7.67%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.38% -3.3% YoY -10.4% QoQ	-0.29%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	12.54% +1.1% YoY +2.3% QoQ	-3.37%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.22% +23.7% YoY +161.5% QoQ	-0.34%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	57%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	29.7% +0.9pp YoY +1.3pp QoQ	+7.6pp	22.1%	23.1%	22.2%	81%
Brokered Deposits	n/a	n/a	7.9%	3.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	12.6% 0.0pp YoY -1.1pp QoQ	+1.0pp	11.6%	12.4%	12.5%	66%
CRE	43.5% -3.6pp YoY -1.0pp QoQ	+4.0pp	39.5%	42.3%	41.4%	59%
1-4 Family	36.3% +5.9pp YoY +2.7pp QoQ	+3.7pp	32.6%	33.1%	31.3%	64%
Consumer	1.7% -0.8pp YoY -0.1pp QoQ	-2.4pp	4.1%	5.6%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	12.5% +0.1pp YoY +0.3pp QoQ	+0.4pp	12.2%	11.9%	12.6%	70%
Total Capital Ratio	n/a	n/a	19.9%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	56 +2 (+3.7%) YoY +4 (+7.7%) QoQ	-3	58	297	482	60%
Assets per Employee ($)	$7.9M +1.8% YoY -7.5% QoQ	+$431K	$7.5M	$6.2M	$8.8M	67%
Branch Count	5 0 YoY 0 QoQ	0	4	22	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% -0.1pp YoY -0.1pp QoQ	0.0pp	0.3%	0.3%	0.4%	76%
Nonaccrual	0.3% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.9%	1.0%	40%
Allowance Coverage	3.25x +23.8% YoY +17.4% QoQ	-20.91x	24.15x	4.87x	20.23x	60%
Net Charge-off Rate (YTD)	-0.1% -0.5pp YoY +0.1pp QoQ	-0.3pp	0.1%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	16.9% +3.6pp YoY +1.7pp QoQ	+4.7pp	12.2%	11.7%	11.6%	76%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.8%	1.7%	37%
Net Income ($, YTD)	$4.6M +40.1% YoY — QoQ	+$2.0M	$2.6M	$13.8M	$40.4M	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Profitability Leader

growth

#129 of 661 • Top 19.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.07%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

309

Return on Assets

profitability

Value: 2.07%

Peer Median: 1.32%

#309 of 2643 Top 11.7% in $100M-$1B

362

Efficiency Ratio

profitability

Value: 48.35%

Peer Median: 64.48%

#362 of 2643 Top 13.7% in $100M-$1B

501

Non-Interest-Bearing Deposit Share

funding

Value: 29.70%

Peer Median: 22.03%

#501 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available