Peer Analysis

Performance Ratios (%) RMBI Peer Median Peer Average
ROAA (1.07) 0.69 0.75
ROAE (5.98) 6.82 6.74
Net Interest Margin 3.24 3.02 3.10
Efficiency Ratio 63.33 67.37 68.00
Loans / Deposits 103.02 94.86 97.63
Asset Quality Ratios (%)
NPAs / Assets NA 1.05 1.09
NCOs / Avg Loans 0.12 0.02 0.04
Reserves / Loans 1.12 1.13 1.04
Reserves / NPAs NA 139.78 259.00
Capital Ratios (%)
Tier 1 Capital NA NA NA
Tangible Equity / Tangible Assets 17.20 10.65 9.97
Total Equity / Total Assets 17.20 11.18 10.78
Market Ratios
Price / Earnings (x) NA 9.51 10.74
Price / Book (%) 77.38 67.11 67.28
Dividend Yield (%) 1.78 2.46 2.27
Data for trailing four quarters

Richmond Mutual Bancorporation, Inc.'s peer group consists of the following: Elmira Savings Bank (ESBK), ESSA Bancorp, Inc. (ESSA), HMN Financial, Inc. (HMNF), IF Bancorp, Inc. (IROQ), MSB Financial Corp., Prudential Bancorp, Inc. (PBIP), Severn Bancorp, Inc. (SVBI), Spirit of Texas Bancshares, Inc. (STXB), Standard AVB Financial Corp. (STND), Wellesley Bancorp, Inc.

Richmond Mutual Bancorporation, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

MSB Financial Corp.'s financial data is as of 3/31/2020.
IF Bancorp, Inc.'s financial data is as of 3/31/2020.
Wellesley Bancorp, Inc.'s financial data is as of 3/31/2020.