PSB Bank
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
$854.5MAssets
$671.1MLoans
$694.1MDeposits
$71.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 64% of banks under $1B in assets in MO (rank 30 of 83).
- Widest gap: tier 1 capital ratio trails 96% of banks under $1B in assets in MO (rank 80 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $19.9M · efficiency ratio beats 31% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |