TellerScore

RiverHills Bank is a state-chartered bank headquartered in Vicksburg, Mississippi, in business for about 136 years. At the end of Q2 2026 it reported $445.2M in total assets and $387.6M in deposits, with 5 offices.

RiverHills Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 8th. Earnings contributes the most (100/100, 2.07%); funding & liquidity contributes the least (66/100, 66% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.54%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.64%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 66.5% · 40.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (77 → 82), mostly because the earnings component improved by 18 points.

TellerScore
566982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202459
Q4 202469
Q1 202571
Q2 202577
Q3 202576
Q4 202574
Q1 202679
Q2 202682
Tier 1 leverage ratio
5.00%9.00%13.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.54%
Q3 202413.01%
Q4 202412.36%
Q1 202512.66%
Q2 202512.40%
Q3 202512.86%
Q4 202512.17%
Q1 202612.25%
Q2 202612.54%
Noncurrent loans
0.64%1.95%3.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.20%
Q3 20243.27%
Q4 20241.69%
Q1 20251.54%
Q2 20250.87%
Q3 20251.26%
Q4 20251.21%
Q1 20260.79%
Q2 20260.64%
Return on assets
1.29%1.68%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.36%
Q4 20241.42%
Q1 20251.50%
Q2 20251.55%
Q3 20251.68%
Q4 20251.61%
Q1 20261.85%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$445.2M12.54%0.64%2.07%66.5%
Q1 202679$447.1M12.25%0.79%1.85%59.3%
Q4 202574$431.8M12.17%1.21%1.61%57.7%
Q3 202576$426.2M12.86%1.26%1.68%53.4%
Q2 202577$421.6M12.40%0.87%1.55%50.1%
Q1 202571$435.5M12.66%1.54%1.50%42.8%
Q4 202469$409.9M12.36%1.69%1.42%42.0%
Q3 202459$400.8M13.01%3.27%1.36%43.7%
Q2 202456$407.7M12.54%3.20%1.29%40.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.54%
70th
Total risk-based capital0.00%
24th
Problem loans0.64%
40th
Net charge-offs-0.11%
98th
Return on assets2.07%
88th
Net interest margin4.15%
62nd
Efficiency ratio48.3%
86th
Loans to deposits66.5%
75th
Uninsured deposits40.3%
10th
Loan-loss reserves2.07%
94th
Texas ratio2.8%
50th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens BankBank Columbia, MS90 out of 100, Very strong$466.3M13.5%0.33%vs
Pike National BankBank Mccomb, MS72 out of 100, Strong$408.8M11.7%0.59%vs
Peoples BankBank Mendenhall, MS52 out of 100, Below average$503.5M11.7%4.28%vs
First National Bank of ClarksdaleBank Clarksdale, MS73 out of 100, Strong$386.1M12.8%0.64%vs
First Federal Savings and Loan AssociationBank Pascagoula, MS61 out of 100, Moderate$381.4M9.7%0.16%vs
BankOkolonaBank Okolona, MS67 out of 100, Moderate$359.6M10.1%1.04%vs

Deposit insurance

Is my money safe at RiverHills Bank?

Yes. RiverHills Bank is an FDIC-insured institution (FDIC certificate #8234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.3% of deposits ($156.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

RiverHills Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, RiverHills Bank reported 128 home-loan applications under HMDA (LEI 549300VRPB0NU0485164): 109 originated ($38,165,000 total), 11 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
RiverHills Bank
Former names
Port Gibson Bank
Type
State-chartered bank
FDIC certificate #
8234
RSSD ID
573335
Primary regulator
FDIC
Holding company
Riverhills Capital Corp
Established
February 1, 1890
Headquarters
1400 Highway 61 N, Vicksburg, MS 39183
Employees
56

Quick answers

RiverHills Bank: common questions

Is RiverHills Bank FDIC insured?

Yes. RiverHills Bank is an FDIC-insured institution (FDIC certificate #8234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is RiverHills Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has RiverHills Bank ever failed?

There is no failure record for FDIC certificate #8234 in the FDIC failed bank list.

How many branches does RiverHills Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Vicksburg

InstitutionScoreAssetsCapitalProblem loansCompare
Vickswood Federal Credit UnionCredit union Vicksburg, MS94 out of 100, Very strong$11.5M25.8%0.00%vs
Merchants and Planters BankBank Raymond, MS91 out of 100, Very strong$199.0M18.2%0.00%vs
Mutual Federal Credit UnionCredit union Vicksburg, MS84 out of 100, Strong$528.5M14.0%1.08%vs
Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS77 out of 100, Strong$12.0M32.8%0.52%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
Delta BankBank Vidalia, LA67 out of 100, Moderate$632.0M10.0%1.04%vs