# RIVERHILLS BANK
MILFORD, OH · FDIC certificate 6662 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $340.8M | |
| Deposits | $294.4M | |
| Loans and leases | $287.0M | |
| Total equity | $36.0M | |
| Loans / deposits | 96.20% (p84 of band) | 82.04% |
| Liquid assets / assets | 11.87% (p9 of band) | |
| Uninsured deposits / deposits | 17.58% (p21 of band) | 25.97% |
| Brokered deposits | 16.84% | |
| Wholesale funding | 19.31% (p93 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.69% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -1.98% (p79 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 4.43% (p79 of band) | 3.91% |
| Efficiency ratio | 72.13% (p78 of band) | |
| Noncurrent loans | 0.12% (p25 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 1094.51% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 71.24% (p72 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking |
| 2015-06 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | brokered >10% |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 | wholesale funding >15% | capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | wholesale funding >15% |
| 2019-03 | 3 | wholesale funding >15% |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | uninsured deposits leaving |  |
| 2020-03 | 7 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2020-06 | 5 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2020-09 | 5 | reserve under noncurrent | AOCI drag >20% of equity |
| 2020-12 | 6 | noncurrent p90 |  |
| 2021-03 | 5 | charge-offs p90 | capital falling, noncurrent p90 |
| 2021-06 | 4 |  | reserve under noncurrent |
| 2021-09 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 3 |  | wholesale funding >15%, noncurrent p90, reserve under noncurrent |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 | wholesale funding >15% | brokered >10% |
| 2022-09 | 3 | brokered >10%, capital falling | construction >100% equity |
| 2022-12 | 4 | construction >100% equity |  |
| 2023-03 | 3 |  | capital falling |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 | loans exceed deposits | uninsured deposits leaving |
| 2024-09 | 3 |  | loans exceed deposits |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 3 |  | construction >100% equity |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-02 [RiverHills Bank announces leadership changes - The Oxford Eagle](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZmFmUTFqekl0Z1REcFhRbjRjUVpqZDlHZDNiZVphNi1yb2NsOVk3aS1RZms4Yl9JUURGcEJBUXFfS05DWExWWUk3VXJOaXluYnNad2ptaFl2M2t0QV9DbG1KazNqTjJxMnJSY2RGcUNOYUM3b1hsT2hsZW9pV05BdFBwR296Z3M?oc=5) · The Oxford Eagle
- 2019-12-18 [RiverHills Bank gives $1,000 to homeless shelter - The Times Gazette](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSm1DNktQSktTd1EtbXBNakRHNjVfaG83cVNLc0J0SVlOOGZzTDZOSmlDaVUtTGNLVHQ1RHhUNzBsb2t5dHBFTkVsNmQybW1kOFZBRzZCaWM1ZnFVa256ZWJiNXRya3h2Q3VSMENQdnpJeENXZHdiajI5U2VyVHY2Rjg2cWdLVTQxVzhMVmxSVWY?oc=5) · The Times Gazette
- 2019-07-12 [Historic Bank Transformed into Mixed-Income Housing - Affordable Housing Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxPVDJUYTFuSk5rRnExRk9oOFZZRFRWX2ZROFNubF96ZS0wem8yWndpcjB1MEktLWxvN1N1U0M5OC1NbklpdGVhLWo1MzZ2QTFEWm45ajh1Y3hieGJua0oxcXFwZGpLOHZ3SkRjSG9UNlRNUkp4QnZIcFFOR25iaFRiZDdsMXhOeWsxWG5vVkdZUTBUNl82aDJ1ZGZhMU9jdw?oc=5) · Affordable Housing Finance
- 2026-03-10 [$9M in grants to fund nearly 800 affordable housing units in Cleveland, including senior home repairs - Cleveland 19 News](https://news.google.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?oc=5) · Cleveland 19 News
- 2023-11-17 [NRP Group Delivers Cleveland Affordable Property - Multifamily Housing News](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZksxYVBHcU9leU5vRnByaXJRWUJRLVVOZkVVbDRLbGFoVVpGUm9wNDc2YnExODBTb2s3SGNhWlJuUmp5bzQ3ak9KVk0wVzRFZWFDVUZHMFFabnE5aF9yR05URmRTbDlyQnhHc2Jldk9qT0hCOE5VcmpxQkpxYlZfX0c1ZDVTalFFcUE?oc=5) · Multifamily Housing News
- 2010-02-19 [Ohio man bulldozes home after bank begins foreclosure - cbs8.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPcjN0SmpJZ2JuMS1tVnJRWnp2ZXNCUDhWZjB0b1Q5b1c2QjAzd1YtN2NhVENMbGpZMmtRNmJNZjhtZTR5X3Y3bFpHRl9XZ2diNmd3YjZvU3R3WjFuWUhMblB6NzRkTXdpOFRROWctVmtmME9MS1NJRWpMRTdZSll4QUN0TVo2RXpzNm5zT2N3bzlVSVo1X1FSa2poNDdpX1VPWkVscFNtVklpdW8yeVNLRVhjNkpGdTczTGtxSXlBWTJ5UQ?oc=5) · cbs8.com
- 2026-09-04 [Warren County Records: Marriage licenses, deeds of trust and warranty deeds from Aug. 26 to Sep. 1, 2026 - Vicksburg Post](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOTGFnd2xLYUppOEs0ajJyLWR3M0lpY1FScWU3TU15bzZVZmt2VjJ4d0VxRXZNWmxsNmlmb09xcGNDZTd1Y3RCOGU0d0FibFNsVlhZVjJmVWdvbkZuOHJYbHFTT29wMktBb2ZfR20wTl81NkxBSXd3Wl9kaWFqN1ExcVdXTlkyQkJxMHNTV05ycVBqZk5VRE1KUnlROEpEY1NkRUNLSThxajhuVTBDcUxzUUFkVjNmM01hRzYwSHFJRENfWmRVSnVPQlVKaVdidVc4R2VlNll2TXA5WmM?oc=5) · Vicksburg Post
- 2018-05-03 [Sen. Roger Wicker victim in $100M Ponzi scheme - The Clarion-Ledger](https://news.google.com/rss/articles/CBMixwFBVV95cUxNYnpJWFU0Z0VFXzRBcU5CYkUzU2RvM3ZPQzgzeGUxemZlTTFQdmtDN01uMnljMG54WW1fclQzNXJxdUZzQlk1RTh5d1lMU1NLbTlzUnFmMTA0XzNYdkdLd3FXS1JHYXdfM3VwREIyVG9uenlTVXJva09qZUNMckNQMzFjNXJpR2VjbmFlZy1LZVdMWG1mZm9KTzNGZXVXV2UtMTFnXzk3bTNxelJaODRiSl9sYklBQ0c5OHFpZGhoYUpvOHlLUzRB?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6662 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "6662", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide