RiverHills Bank: how it compares with its peers
Against 29 MS banks with half to twice its assets, RiverHills Bank's strongest measure in Q2 2026 is efficiency ratio (48.35% vs. a 65.68% peer median). Its weakest relative measure is net interest margin (4.15% vs. 3.83%).
| Measure | RiverHills Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.07% | 1.01% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.15% | 3.83% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.35% | 65.68% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $5.2M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.49% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 48.35% is better than the 65.68% 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
- Citizens Bank Columbia, MS · $466M
- Pike National Bank Mccomb, MS · $409M
- Peoples Bank Mendenhall, MS · $503M
- First National Bank of Clarksdale Clarksdale, MS · $386M
- First Federal Savings and Loan Association Pascagoula, MS · $381M
- BankOkolona Okolona, MS · $360M
Questions about RiverHills Bank
How big is RiverHills Bank?
RiverHills Bank, established in 1890, is headquartered in Vicksburg, MS. It reported $445M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is RiverHills Bank's return on assets?
2.07% annualized in Q2 2026, against a 1.01% median for 29 MS banks with half to twice its assets, ahead of 90% of them.
What is RiverHills Bank's efficiency ratio?
48.35% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 65.68%, and lower is better.
Is RiverHills Bank growing its loans?
Net loans grew 39.5% over the year to Q2 2026, while deposits grew 5.1%.
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 MS 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 Mississippi bank ranked.