Peer Analysis

Performance Ratios (%) RMBI Peer Median Peer Average
ROAA NA 0.77 0.82
ROAE (0.07) 7.04 7.35
Net Interest Margin NA 3.13 3.23
Efficiency Ratio 71.91 68.66 68.18
Loans / Deposits 115.44 99.10 97.36
Asset Quality Ratios (%)
NPAs / Assets 0.22 0.58 0.92
NCOs / Avg Loans NA 0.01 0.03
Reserves / Loans 0.98 0.94 0.96
Reserves / NPAs 335.25 93.04 114.63
Capital Ratios (%)
Tier 1 Capital NA 14.22 14.65
Tangible Equity / Tangible Assets 20.95 11.13 10.67
Total Equity / Total Assets 20.95 11.19 11.50
Market Ratios
Price / Earnings (x) NA 16.72 16.53
Price / Book (%) 103.43 111.34 114.78
Dividend Yield (%) 0.00 1.32 1.61
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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Prudential Bancorp, Inc.'s financial data is as of 12/31/2019.
Wellesley Bancorp, Inc.'s financial data is as of 12/31/2019.