Perryville, MO · Cert 1617 · Reliable Cmty Bancshares Inc.
State charter, non-member · FDIC · 32 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.7% share · #22 of 111 inst. · $1.1B 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 | 0.57% | 0.59% | 0.57% | 2.55% | 2.02% | 1.65% | 0.99% | 1.02% | -153 bps | |
| Return on Equity | 5.34% | 5.60% | 5.60% | 24.55% | 19.00% | 15.33% | 8.61% | 8.81% | -1,574 bps | |
| Net Interest Margin | 2.24% | 2.27% | 2.42% | 2.57% | 2.67% | 2.75% | 3.17% | 3.12% | +54 bps | |
| Efficiency Ratio | 84.30% | 83.58% | 83.66% | 53.67% | 59.23% | 63.83% | 76.85% | 74.52% | +2,085 bps | |
| Non-Interest Burden | 1.62% | 1.61% | 1.76% | -0.37% | 0.28% | 0.74% | 2.08% | 1.96% | +233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 5.48% | 1.15% | 1.72% | 0.70% | -1.46% | 41.33% | 36.05% | +3,433 bps | |
| Loan Growth (YoY) | 5.08% | 4.60% | 3.66% | 3.74% | 3.95% | 3.61% | 50.71% | 48.05% | +4,430 bps | |
| Deposit Growth (YoY) | 10.64% | 8.35% | 4.07% | -0.07% | -0.52% | -3.02% | 42.88% | 41.81% | +4,188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.22% | 0.21% | 0.22% | 0.32% | 0.35% | 0.25% | 1.53% | +130 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.02% | -0.02% | 0.00% | 0.00% | 0.00% | 0.84% | +85 bps | |
| Allowance / Loans | 0.97% | 0.98% | 0.99% | 0.98% | 0.95% | 0.97% | 1.07% | 1.51% | +53 bps | |
| Allowance Coverage of NPLs | 4.3x | 4.5x | 4.7x | 4.4x | 3.0x | 2.7x | 4.3x | 1.0x | -3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.52% | 9.58% | 10.59% | 10.65% | 10.58% | 10.53% | 9.15% | -144 bps | |
| Total Risk-Based Capital | 13.41% | 13.33% | 13.19% | 13.83% | 14.22% | 14.35% | 11.49% | 11.23% | -260 bps | |
| Equity / Assets | 10.24% | 10.02% | 10.29% | 10.85% | 11.31% | 11.43% | 11.59% | 11.73% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.06% | 80.69% | 82.98% | 85.07% | 86.79% | 86.20% | 87.52% | 88.81% | +374 bps | |
| Liquid Assets / Assets | 13.12% | 14.78% | 12.31% | 11.15% | 11.05% | 10.81% | 8.38% | 7.43% | -373 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 278% | 275% | n/a | n/a | |