# RIVERHILLS BANK
VICKSBURG, MS · FDIC certificate 8234 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $445.2M | |
| Deposits | $387.6M | |
| Loans and leases | $263.2M | |
| Total equity | $55.3M | |
| Loans / deposits | 66.49% (p20 of band) | 82.04% |
| Liquid assets / assets | 38.93% (p81 of band) | |
| Uninsured deposits / deposits | 40.27% (p88 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.25% (p27 of band) | |
| FHLB advances / assets | 0.25% | |
| Tier 1 leverage | 12.54% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -0.99% (p86 of band) | -8.10% |
| AOCI / equity | -1.71% (p10 of band) | |
| ROA (annualized) | 2.07% (p88 of band) | 1.28% |
| Net interest margin | 4.15% (p64 of band) | 3.91% |
| Efficiency ratio | 48.35% (p15 of band) | |
| Noncurrent loans | 0.64% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | -0.06% (p1 of band) | |
| Reserve coverage of noncurrent | 324.61% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 51.62% (p57 of band) | |
| Auto loans | $486,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

## 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
- 2026-06-24 [Madison County banker Heather McGuire elected to Mississippi Young Bankers executive council - Madison County Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPQVI2OUliLV8yakRpRldrbTRRRGc0MzQxVFZNMV9pemJoU3p4cUFmSm1mUFBKZ3VRNWpTNXE5WjRFNlJVRE9MbXUzeGxXcnV2dnR6b1pkUEFjSFA2QllicnBXS3puZW5CbzZDUHZQWTljTlJQNDg2YkxKY0VEQUROSnpmSWdFMEZsOHZtM0RHeHFMdmFtdEFpajExNF9KcndHTGhBNHdRUXh3UEc2Rmh6N3RaTElSN05kTEVhbkdnbWZ1eGJ3N1JvS2IzTVJ3bXRfaW5wZW93?oc=5) · Madison County Journal
- 2021-03-02 [Timber Ponzi Receiver’s Claims Against Banks Mostly Advance - Bloomberg Law News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRTZJMXdWSzFRbzhnRlVhWWg2d3Z2LTdVTVVJNDFaOWxwLTVFMWZZTHNKRE1XNE50Rk9EVlpfcXdCV3FSMDItQTZ6WHU1WTJNaC1GbkoyYkFrQlhyS19XaHJDVlZxZXdmMnpMOExVRV9XMmVNMzR5LTFHSklEWFdVeDFuYzFMQm0zZjgtYkl1U2VwS195VGdHNmFBT1g3Q3ZYaE5JRDdn?oc=5) · Bloomberg Law News
- 2026-07-17 [Warren County Records: Marriage licenses, deeds of trust and warranty deeds from July 8 to 14, 2026 - Vicksburg Post](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQTy1MRXZhM1liaXVwMmFaS3VEUERIN24yMFNGV2MxcmN3WG9ZdXBzVVZzVnhJX2hWdGg4VWhQczhrTWsxNW9EbTNRRnRXek9hZ2xSSDROdGdYdHZhMDBTVExMNXZGUTI3aDdYYUJfb1h6Q2NsWUtjRUN5TXpqWEwyR1BlX2Qyb25TbFNhMXozLVdCTHRRa2JTWmFTQmdfYmN2Nm1vVUloelYzSnJjZ0JjX3Y4ZDdhUWpsejNqNktHZ0xRbTdQLWVydk5YLTVndXFrT1lwckJmZw?oc=5) · Vicksburg Post
- 2021-09-19 [Obituary for Patricia (Boswell) Lloyd - Glenwood Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE51UVZrSzVWcTU3Mmxrc2s5dzB1b3BhTWRRU25FcTVnanQxSThyb0VqTGlIR1doUlV2MHZQa1NKMWMxOHM5UkxvbThfWklQenpjZkZxNjFfaEpnYXZHM00yY3JGWGxURjRSS21ybw?oc=5) · Glenwood Funeral Homes
- 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
- 2026-07-03 [Warren County Records: Marriage licenses, warranty deeds, an... - Vicksburg Post](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPdEgtZkxJTllsQW51blpqOHRzYUxZeWNKWUgwNm9od2dRaWU3WktCZGNtQjBnek0zQ3RpQ1JwOXBVS0hEYzVxbU5HZTlvOTJ6eExEbENFN0JMTkV6ZU8zWlNJTzdlMmFfbk5UazBkaHh5dms1bkVIbk5UelAtOTZCM1dIVjBtdFRnY1lITjloQjAxVGhlSUVJUWZwRUNVamhLOVhXdGN5OTU0MWhOMzhsVzF1OHVYaVZKaHhlR1NHdjJ3cXJoMkVnc1RZX1ZsZ0lzRVFpdF8zR3Q?oc=5) · Vicksburg Post
- 2026-07-10 [Warren County Records: Marriage licenses, deeds of trust and warranty deeds from July 1 to 7, 2026 - Vicksburg Post](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOeHZTN2E1ZVA2d08zcnh0STJGM2huTTFTbDRyZ2NfeUVTQlZxMUZyYV80NkF0UV9RWGxtcFEweGdjZTNJck43bHNJZ25hNV9tNC11UjgtNUd1UE45NjdkajRMaGI1Y2VZYU1ncGRfVUVuVlF4cWJmaFdTNHZVZDJpXzZRNlN3V01fLThxUmNKRWFfUzB0VzNzRHZwM2Z4VjJnYUY3c1dWSi1MT2cxM2hBYjkzLWltQUVvYWphUU85YVVmQQ?oc=5) · Vicksburg Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8234 (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/42.json (key "8234", 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