Peer Analysis

Performance Ratios (%) RMBI Peer Median Peer Average
ROAA (1.31) 0.74 0.77
ROAE (8.39) 6.69 6.77
Net Interest Margin 3.31 3.06 3.18
Efficiency Ratio 67.16 68.56 69.39
Loans / Deposits 114.73 97.49 99.34
Asset Quality Ratios (%)
NPAs / Assets 0.12 0.57 1.00
NCOs / Avg Loans 0.12 0.02 0.02
Reserves / Loans 1.05 1.00 1.00
Reserves / NPAs 604.80 65.40 176.74
Capital Ratios (%)
Tier 1 Capital NA 13.08 14.52
Tangible Equity / Tangible Assets 19.17 10.66 10.39
Total Equity / Total Assets 19.17 11.30 11.29
Market Ratios
Price / Earnings (x) NA 11.60 11.65
Price / Book (%) 77.16 75.14 77.82
Dividend Yield (%) 1.81 2.19 1.99
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. (MSBF), Prudential Bancorp, Inc. (PBIP), Severn Bancorp, Inc. (SVBI), Spirit of Texas Bancshares, Inc. (STXB), Standard AVB Financial Corp. (STND), Wellesley Bancorp, Inc. (WEBK)

Richmond Mutual Bancorporation, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020