Riverhills Bank (FDIC #8234): Bank Stress & Real-Estate Credit Exposure
Riverhills Bank (FDIC Cert #8234): bank stress 41/100, contained, STABLE over 7 days; parent RIVERHILLS CAPITAL CORP.
Riverhills Bank (#8234) lends in 4 counties across 1 state; Riverhills Bank (#8234) reaches 33 ZIP codes: Mississippi 4 counties, 33 ZIPs.
Riverhills Bank (#8234) largest markets: Lafayette County, MS (13 branches, 13 ZIPs) (#8234), Madison County, MS (12 branches, 12 ZIPs) (#8234), Claiborne County, MS (5 branches, 5 ZIPs) (#8234), Warren County, MS (6 branches, 3 ZIPs) (#8234).
Riverhills Bank (#8234) reports $445.2 million in total assets; Riverhills Bank (#8234) equity $55.3 million (12.4% of Riverhills Bank (#8234) assets); Riverhills Bank (#8234) domestic deposits $387.6 million; Riverhills Bank (#8234) net income $4.6 million; Riverhills Bank (#8234) return on assets 2.07%; Riverhills Bank (#8234) return on equity 16.85%; Riverhills Bank (#8234) net interest income $8.7 million; Riverhills Bank (#8234) call report June 30, 2026.
Riverhills Bank (#8234) noncurrent real-estate loans: none reported; Riverhills Bank (#8234) net charge-offs on real estate 0.60%; Riverhills Bank (#8234) residential charge-offs 0.63%.
Riverhills Bank (#8234) net interest margin 4.15% against an eight-quarter Riverhills Bank (#8234) average of 3.49% (Riverhills Bank (#8234) compression -0.66 points); Riverhills Bank (#8234) non-residential real estate 63.2% of equity; Riverhills Bank (#8234) rate-exposure score 40/100, Riverhills Bank (#8234) fixed-rate trap 40/100; Riverhills Bank (#8234) risk type credit driven; Riverhills Bank (#8234) rate regime rates elevated, Riverhills Bank (#8234) snapshot October 19, 2026.
Riverhills Bank (#8234) stress score moved from 44.5 on June 22, 2026 to 40.6 on October 19, 2026; Riverhills Bank (#8234) ranged 40.6 to 44.5 over 116 snapshots.
Riverhills Bank (#8234) alerts: 4 counties; top Riverhills Bank (#8234) alert scores: Madison County, MS 31 (low); Oxford County, MS 17 (low); Port Gibson County, MS 17 (low); Vicksburg County, MS 17 (low).