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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.31% | 1.25% | 1.54% | 1.78% | +51 bps | |
| Return on Equity | 12.66% | 12.83% | 12.12% | 14.24% | 16.27% | +361 bps | |
| Net Interest Margin | 3.55% | 3.70% | 3.71% | 4.04% | 4.19% | +63 bps | |
| Efficiency Ratio | 57.74% | 57.46% | 60.16% | 55.53% | 52.20% | -554 bps | |
| Non-Interest Burden | 1.89% | 1.95% | 2.06% | 2.05% | 1.84% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.40% | 5.14% | 1.63% | 2.33% | 6.01% | -338 bps | |
| Loan Growth (YoY) | 7.86% | 3.66% | 6.81% | 11.42% | 10.73% | +287 bps | |
| Deposit Growth (YoY) | 4.84% | 5.50% | 8.25% | 9.55% | 8.09% | +325 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.06% | 0.08% | 0.07% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.03% | 1.04% | 1.01% | 1.04% | -1 bps | |
| Allowance Coverage of NPLs | 25.6x | 30.9x | 16.7x | 13.4x | 14.4x | -11.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.81% | 11.27% | 11.06% | 11.16% | 11.61% | +80 bps | |
| Total Risk-Based Capital | 10.81% | 11.27% | 11.06% | 11.16% | 11.61% | +80 bps | |
| Equity / Assets | 10.31% | 10.88% | 10.82% | 10.87% | 11.03% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.26% | 96.22% | 91.62% | 93.70% | 93.49% | +223 bps | |
| Liquid Assets / Assets | 5.91% | 3.59% | 2.88% | 3.34% | 3.47% | -245 bps | |
| CRE / Total Capital | n/a | 156.19% | 159.58% | 168.27% | n/a | n/a | |