Rhineland, MO · Cert 15264 · Rhineland Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
55
Profitability
54
Liquidity
9
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rhineland, MO · Cert 15264 · Rhineland Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #65 of 111 inst. · $0.2B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.99% | 1.14% | 1.17% | 1.20% | 1.17% | 1.11% | 1.19% | +2 bps | |
| Return on Equity | 10.88% | 11.57% | 12.46% | 12.73% | 12.90% | 12.57% | 11.80% | 13.19% | +46 bps | |
| Net Interest Margin | 3.30% | 3.33% | 3.76% | 3.76% | 3.70% | 3.38% | 3.88% | 3.97% | +21 bps | |
| Efficiency Ratio | 64.59% | 63.92% | 61.67% | 60.45% | 60.36% | 60.82% | 66.29% | 64.84% | +439 bps | |
| Non-Interest Burden | 1.97% | 1.96% | 2.15% | 2.10% | 2.06% | 1.88% | 2.41% | 2.40% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.01% | 4.95% | 4.05% | 4.31% | 5.76% | 23.44% | 22.36% | 22.34% | +1,803 bps | |
| Loan Growth (YoY) | 9.50% | 5.31% | 4.27% | 5.04% | 7.04% | 20.77% | 20.09% | 20.18% | +1,514 bps | |
| Deposit Growth (YoY) | 1.55% | -0.88% | 1.66% | 7.09% | 6.05% | 26.73% | 27.32% | 19.41% | +1,233 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.20% | 0.12% | 0.21% | 0.27% | 0.20% | 0.21% | 0.29% | +8 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.02% | 0.04% | 0.03% | 0.07% | 0.02% | -0.01% | -5 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.05% | 1.05% | 1.04% | 1.05% | 1.05% | 1.06% | +1 bps | |
| Allowance Coverage of NPLs | 7.9x | 5.2x | 8.7x | 5.0x | 3.8x | 5.2x | 5.0x | 3.7x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 9.32% | 9.62% | 9.70% | 9.71% | 8.90% | 9.03% | 8.12% | -158 bps | |
| Total Risk-Based Capital | 11.65% | 12.21% | 12.36% | 12.29% | 12.50% | 11.74% | 11.78% | 10.39% | -190 bps | |
| Equity / Assets | 8.62% | 9.07% | 9.23% | 9.33% | 9.42% | 9.38% | 9.46% | 8.36% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.58% | 97.85% | 97.90% | 96.08% | 99.50% | 93.25% | 92.34% | 96.69% | +62 bps | |
| Liquid Assets / Assets | 4.60% | 2.45% | 3.18% | 3.53% | 3.36% | 2.22% | 4.08% | 6.01% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 368% | 385% | 385% | n/a | n/a | |
Rhineland, MO · Cert 15264 · Peer group: banks under $1B in assets in MO (n=82-83) · Rhineland Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Return on Assets
1.17%
Rank 50 of 83
Net Interest Margin
3.97%
Rank 34 of 83
Efficiency Ratio
64.84%
Rank 58 of 83
Equity / Assets
8.36%
Rank 70 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.96% | 1.32% | 1.75% | Beats 40% | 50 / 83 | ||
| Return on Equity | 13.97% | 9.66% | 12.96% | 15.76% | Beats 64% | 30 / 83 | ||
| Net Interest Margin | 3.97% | 3.35% | 3.85% | 4.16% | Beats 59% | 34 / 83 | ||
| Efficiency Ratio | 64.84% | 49.83% | 58.83% | 68.51% | Beats 31% | 58 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.08% | 0.51% | 1.01% | Beats 61% | 33 / 82 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 49% | 43 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.37% | 11.01% | 12.49% | 14.98% | Beats 4% | 80 / 83 | ||
| Total Risk-Based Capital Ratio | 10.39% | 11.13% | 13.01% | 15.10% | Beats 13% | 72 / 83 | ||
| Equity / Assets | 8.36% | 8.83% | 10.71% | 13.29% | Beats 16% | 70 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.69% | 69.28% | 83.22% | 91.21% | 85th pctl | 12 / 82 | ||
| Loans / Assets | 78.54% | 59.34% | 71.15% | 78.36% | 76th pctl | 20 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||