Marceline, MO · Cert 18385 · RMB Bancshares Inc.
State charter, non-member · FDIC · 11 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
43
Asset Quality
80
Profitability
75
Liquidity
31
Efficiency
70
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.
Marceline, MO · Cert 18385 · RMB Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Columbia, MO · 2026 SOD (annual) · 0.5% share · #24 of 29 inst. · $0.0B of $6.7B
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 | 1.16% | 1.32% | 1.26% | 1.26% | 1.31% | 1.25% | 1.54% | 1.78% | +51 bps | |
| Return on Equity | 11.54% | 13.28% | 12.81% | 12.66% | 12.83% | 12.12% | 14.24% | 16.27% | +361 bps | |
| Net Interest Margin | 3.43% | 3.32% | 3.48% | 3.55% | 3.70% | 3.71% | 4.04% | 4.19% | +63 bps | |
| Efficiency Ratio | 59.03% | 56.51% | 57.54% | 57.74% | 57.46% | 60.16% | 55.53% | 52.20% | -554 bps | |
| Non-Interest Burden | 1.85% | 1.62% | 1.85% | 1.89% | 1.95% | 2.06% | 2.05% | 1.84% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.67% | 11.14% | 10.33% | 9.40% | 5.14% | 1.63% | 2.33% | 6.01% | -338 bps | |
| Loan Growth (YoY) | 12.03% | 10.43% | 10.41% | 7.86% | 3.66% | 6.81% | 11.42% | 10.73% | +287 bps | |
| Deposit Growth (YoY) | -3.42% | 2.01% | 0.64% | 4.84% | 5.50% | 8.25% | 9.55% | 8.09% | +325 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.07% | 0.09% | 0.04% | 0.03% | 0.06% | 0.08% | 0.07% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.02% | 1.05% | 1.03% | 1.04% | 1.01% | 1.04% | -1 bps | |
| Allowance Coverage of NPLs | 12.9x | 13.9x | 11.0x | 25.6x | 30.9x | 16.7x | 13.4x | 14.4x | -11.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.85% | 10.70% | 10.81% | 11.27% | 11.06% | 11.16% | 11.61% | +80 bps | |
| Total Risk-Based Capital | 11.03% | 10.85% | 10.70% | 10.81% | 11.27% | 11.06% | 11.16% | 11.61% | +80 bps | |
| Equity / Assets | 10.17% | 9.71% | 9.95% | 10.31% | 10.88% | 10.82% | 10.87% | 11.03% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.93% | 92.86% | 92.13% | 91.26% | 96.22% | 91.62% | 93.70% | 93.49% | +223 bps | |
| Liquid Assets / Assets | 2.29% | 1.83% | 7.34% | 5.91% | 3.59% | 2.88% | 3.34% | 3.47% | -245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 156.19% | 159.58% | 168.27% | n/a | n/a | |
Marceline, MO · Cert 18385 · Peer group: banks under $1B in assets in MO (n=82-83) · RMB Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.74%
Rank 23 of 83
Net Interest Margin
4.19%
Rank 19 of 83
Efficiency Ratio
52.20%
Rank 26 of 83
Equity / Assets
11.03%
Rank 35 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 0.96% | 1.32% | 1.75% | Beats 72% | 23 / 83 | ||
| Return on Equity | 15.76% | 9.66% | 12.96% | 15.76% | Beats 75% | 21 / 83 | ||
| Net Interest Margin | 4.19% | 3.35% | 3.85% | 4.16% | Beats 77% | 19 / 83 | ||
| Efficiency Ratio | 52.20% | 49.83% | 58.83% | 68.51% | Beats 70% | 26 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.08% | 0.51% | 1.01% | Beats 77% | 20 / 82 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 83% | 16 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.61% | 11.01% | 12.49% | 14.98% | Beats 37% | 52 / 83 | ||
| Total Risk-Based Capital Ratio | 11.61% | 11.13% | 13.01% | 15.10% | Beats 33% | 56 / 83 | ||
| Equity / Assets | 11.03% | 8.83% | 10.71% | 13.29% | Beats 58% | 35 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.49% | 69.28% | 83.22% | 91.21% | 80th pctl | 16 / 82 | ||
| Loans / Assets | 78.36% | 59.34% | 71.15% | 78.36% | 75th pctl | 21 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||