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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 1.19% | 1.14% | 1.21% | 1.24% | 1.13% | 1.11% | 1.28% | +7 bps | |
| Return on Equity | 10.05% | 13.44% | 12.46% | 13.00% | 13.24% | 11.99% | 11.80% | 14.38% | +137 bps | |
| Net Interest Margin | 3.33% | 3.48% | 3.76% | 3.85% | 3.82% | 3.83% | 3.88% | 4.08% | +22 bps | |
| Efficiency Ratio | 66.60% | 62.00% | 61.67% | 59.29% | 60.19% | 61.97% | 66.29% | 63.47% | +419 bps | |
| Non-Interest Burden | 2.06% | 1.98% | 2.15% | 2.10% | 2.12% | 2.17% | 2.41% | 2.40% | +30 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 | 0.10% | 0.01% | 0.02% | 0.07% | 0.00% | 0.19% | 0.02% | -0.03% | -10 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 | |