At a glance
From its website, read 2 Nov 2026RiverHills Bank is a bank or thrift based in Vicksburg, Mississippi. Its website describes farm loans, auto loans, credit-builder loans and 4 other loan types. Where it lends: Vicksburg and surrounding area (mortgage loan expert). It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.riverhillsbank.com |
|---|---|
| Office (official list) | 1400 HWY 61 N, Vicksburg, MS 39183 |
What their website says about applying
Please contact one of our convenient banking locations today to set up a meeting with an experienced and responsive loan officer.
sourceCall or visit your nearest RHB location today.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Term: see their wording | RHB’s HELOC features a maturity of 10 years. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
RiverHills Bank offers a program designed to help customers build good credit or repair their existing credit record.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 573335 |
| Address | 1400 HWY 61 N, Vicksburg, MS 39183 Directions (Google Maps) |
| Website | www.riverhillsbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Product pages list loan types but state no loan amounts, and no online loan application was found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Agricultural Loans | source |
| Auto / vehicle loans | — | Automobile Loans | source |
| Credit-builder loans | — | RiverHills Bank offers a program designed to help customers build good credit or repair their existing credit record. | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | We Take The Hassle Out Of Taking Out A Home Loan. | source |
| Personal / consumer loans | — | You can count on RiverHills Bank for a variety of loans with flexible terms and competitive rates. | source |
| Small-business loans | — | Commercial Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Vicksburg and surrounding area (mortgage loan expert)
Your Go-To Mortgage Loans Expert In Vicksburg And The Surrounding Area
source
Counties this matches: Warren County, MS
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.riverhillsbank.com/
- https://www.riverhillsbank.com/loans/personal-loans/
- https://www.riverhillsbank.com/loans/business-loans/
- https://www.riverhillsbank.com/loans/mortgage-loans/
- https://www.riverhillsbank.com/loans/home-equity-loans/
- https://www.riverhillsbank.com/personal-banking/credit-cards/
- https://www.riverhillsbank.com/business-banking/credit-cards/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.7 million in 10 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (Bank Enterprise Award Program; CDFI Rapid Response Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Small Dollar Loan Program | $130,296 |
| 2023 | Bank Enterprise Award Program | $53,429 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as RiverHills Bank (FDIC cert 8234). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $445.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
Mississippi (5 offices)
- Claiborne County (1): 702 Market St, Port Gibson 39150
- Lafayette County (1): 1345 Cooperative Way, Oxford 38655
- Madison County (1): 100 Fountains Blvd, Madison 39110
- Warren County (2): 1400 Highway 61 N, Vicksburg 39183 (main office); 2125 N Frontage Rd, Vicksburg 39180
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by RiverHills Bank (RSSD 573335, FDIC cert 8234). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $263.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 39.2% from $189 million on 30 Jun 2025 |
| Total assets | $445.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $75.3 million | 28.6% |
| Home equity lines of credit | $18.3 million | 7.0% |
| Commercial real estate, construction and multifamily | $112.1 million | 42.6% |
| Commercial and industrial (business) loans | $32.4 million | 12.3% |
| Farmland and farm production loans | $17 million | 6.5% |
| Consumer loans (credit cards, auto, other) | $4.3 million | 1.6% |
| All other loans and leases | $3.7 million | 1.4% |
Within consumer loans: auto loans $486,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 43 loans $1.7 million | 209 loans $4.5 million |
| $100,001 to $250,000 | 65 loans $7.2 million | 52 loans $4.9 million |
| $250,001 to $1 million | 70 loans $25.4 million | 32 loans $8.1 million |
| All small business loans | 178 loans $34.3 million | 293 loans $17.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 15 loans $757,000 | 12 loans $321,000 |
| $100,001 to $250,000 | 26 loans $2.7 million | 5 loans $574,000 |
| $250,001 to $500,000 | 10 loans $3.1 million | 4 loans $1.1 million |
| All small farm loans | 51 loans $6.5 million | 21 loans $2 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025RiverHills Bank reported 109 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $38.2M (median loan about $245,000). 75 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 75 | 69% |
| Refinance (incl. cash-out) | 28 | 26% |
| Other purpose | 4 | 3.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 109 | 100% |
Included above: 3 loans on manufactured homes; 4 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 15 counties with at least one; 97% of its 2025 loans were for properties in Mississippi:
- Warren County, MS (43)
- Lafayette County, MS (37)
- Claiborne County, MS (6)
- Madison County, MS (6)
- Hinds County, MS (4)
- Copiah County, MS (3)
Filed under LEI 549300VRPB0NU0485164 as “RiverHills Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 3 → 1 | Rank among the 16 certified CDFIs in Mississippi with SBA approvals in either period: 10 → 13. |
| Total assets (Call Report, 30 Jun 2026) | $445.2 million | Larger than 51% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 59% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $189 million → $263.2 million (+39%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 47 → 39. |
| Home loans originated in 2025 (HMDA) | 109 | More than 47% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Mississippi with SBA approvals FY2023–2026 | 15 | rank 10 → 13 of 16 |
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 51% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 47 → 39 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 47% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 5 SBA-backed approvals for RiverHills Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 5 7(a) loans as the lender: $773,000 in total (gross amount approved), median $150,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 2 · FY2024 1 · FY2025 1 · FY2026 0.
By program
- 7(a) SBA Express (4, 80%)
- 7(a) standard (1, 20%)
How this lender was matched in the SBA files: FDIC cert 8234, found through the RSSD ID on the CDFI Fund list (SBA lists “RiverHills Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. RiverHills Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Vicksburg and Mississippi
- Riverhills Capital CorporationBank holding company · Vicksburg, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
Work at RiverHills Bank? Link to this page
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