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Riverbank creature having earth in Buddhist temple (5,3)

Ross

I believe the answer is:

water rat

I'm a little stuck... Click here to teach me more about this clue!

'riverbank creature' is the definition.
'water rat' can be an answer for 'creature' (water rat is a kind of creature). I'm not certain of the 'riverbank' bit.

'earth in buddhist temple' is the wordplay.
'earth' becomes 'terra' (I've seen this in another clue).
'in' indicates putting letters inside.
'buddhist temple' becomes 'wat' (I've seen this in another clue).
'terra' inserted into 'wat' is 'WATER RAT'.

'having' is the link.

Can you help me to learn more?

(Other definitions for water rat that I've seen before include "Swimming rodent" , "Vole of the 17" , "round little furry creature" , "Beast" , "swimmer" .)

I've seen this clue in The Times.
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