RiverHills Bank: how it compares with its peers
Against 62 OH banks with half to twice its assets, RiverHills Bank's strongest measure in Q2 2026 is net interest margin (4.43% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $6.4M).
| Measure | RiverHills Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 0.86% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.70% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.13% | 72.35% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.4M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.20% | 81.81% | Context |
What it means for lending operations
Its efficiency ratio of 72.13% is better than the 72.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens Bank Company Beverly, OH · $335M
- New Carlisle Federal Savings Bank New Carlisle, OH · $330M
- The Farmers State Bank New Madison, OH · $330M
- The Hocking Valley Bank Athens, OH · $354M
- Farmers & Merchants Bank Miamisburg, OH · $359M
- The First National Bank of Bellevue Bellevue, OH · $310M
Questions about RiverHills Bank
How big is RiverHills Bank?
RiverHills Bank, established in 1904, is headquartered in Milford, OH. It reported $341M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is RiverHills Bank's return on assets?
1.16% annualized in Q2 2026, against a 0.86% median for 62 OH banks with half to twice its assets, ahead of 71% of them.
What is RiverHills Bank's efficiency ratio?
72.13% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 72.35%, and lower is better.
Is RiverHills Bank growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.