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Regional Missouri Bank

Marceline, MO · Cert 18385 · RMB Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$597.4MAssets
$468.1MLoans
$500.7MDeposits
$65.9MEquity
Loan mix
87%RE $359.6M11%C&I $46.4M2%Consumer $9.4MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $402.4M20%Noninterest $98.3MQ3 2024Q2 2026

Market Position · Columbia, MO · 2026 SOD (annual) · 0.5% share · #24 of 29 inst. · $0.0B of $6.7B

27.8% Linn
41.9% Chariton
20.4% Randolph
13.8% Monroe

Executive Summary

  • Earnings: ROA of 2.00%, up 74 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.07% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.61%, up 80 bps from a year ago.
  • Funding: loans stand at 93.49% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

2.00%+74 bps YoY

Net Interest Margin (quarter, annualized)

4.32%+65 bps YoY

Efficiency Ratio (quarter, annualized)

49.39%-854 bps YoY

Tier 1 Leverage Ratio

11.61%+80 bps YoY

NIM

5.38%Q2 ’245.48%Q2 ’255.78%Q2 ’26+4%+18%

Non-interest income vs. expense

2.34%Q2 ’242.33%Q2 ’252.61%Q2 ’26+0%-17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.80%1.26%1.27%1.40%1.07%1.54%2.00%+74 bps
Return on Equity12.40%18.07%12.81%12.51%13.25%9.90%14.24%18.30%+580 bps
Net Interest Margin3.59%3.48%3.48%3.67%3.86%4.04%4.04%4.32%+65 bps
Efficiency Ratio54.58%50.53%57.54%57.93%56.95%67.34%55.53%49.39%-854 bps
Non-Interest Burden1.76%1.20%1.85%1.95%2.00%2.56%2.05%1.62%-33 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 / Loans0.08%0.07%0.09%0.04%0.03%0.06%0.08%0.07%+3 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.02%1.02%1.05%1.03%1.04%1.01%1.04%-1 bps
Allowance Coverage of NPLs12.9x13.9x11.0x25.6x30.9x16.7x13.4x14.4x-11.2x
Capital
Tier 1 Leverage Ratio11.03%10.85%10.70%10.81%11.27%11.06%11.16%11.61%+80 bps
Total Risk-Based Capital11.03%10.85%10.70%10.81%11.27%11.06%11.16%11.61%+80 bps
Equity / Assets10.17%9.71%9.95%10.31%10.88%10.82%10.87%11.03%+72 bps
Liquidity & Funding
Loans / Deposits97.93%92.86%92.13%91.26%96.22%91.62%93.70%93.49%+223 bps
Liquid Assets / Assets2.29%1.83%7.34%5.91%3.59%2.88%3.34%3.47%-245 bps
CRE / Total Capitaln/an/an/an/a156.19%159.58%168.27%n/an/a