At a glance
From its website, read 2 Nov 2026Riverhills Capital Corporation is a bank holding company based in Vicksburg, Mississippi. Its website describes farm loans, auto loans, credit-builder loans and 4 other loan types. 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.
sourceContact one of our home loan specialists today.
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.
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 holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 1082786 |
| 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. Pages describe a bank's loan menu with no loan amounts, eligibility rules or CDFI-specific lending targets, and the only service area is a Vicksburg reference on the home page. 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 | — | Conventional and FHA loans | 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 | — | From credit lines to construction loans to letter of credit | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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. - How long can I take to repay?
No repayment terms are stated 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$5.3 million in 3 awards from the U.S. Treasury's CDFI Fund, 2018–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2020 | CDFI Program, Financial Assistance | $657,000 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $17.5 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 2026Subsidiary bank on file with the FDIC: RiverHills Bank (FDIC cert 8234, total assets $445.2 million). 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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, RiverHills Bank (RSSD 573335, FDIC cert 8234), the only active bank the FDIC lists under this holding company. 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 by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Riverhills Capital Corporation as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- RiverHills Bank: 109 originated home loans
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 |
|---|---|---|
| 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. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| 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 |
“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. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary RiverHills Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
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 BankBank or thrift · 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 Capital Corporation? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.