Regional Missouri Bank
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
$597.4MAssets
$468.1MLoans
$500.7MDeposits
$65.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 83% of banks under $1B in assets in MO (rank 16 of 82).
- Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets in MO (rank 56 of 83).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 70% 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 | 1.74% | 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 |