Peer Analysis

Performance Ratios (%) RMBI Peer Median Peer Average
ROAA NA 0.76 0.83
ROAE NA 6.94 7.42
Net Interest Margin NA 3.13 3.24
Efficiency Ratio 72.06 68.60 68.05
Loans / Deposits 115.44 99.10 96.83
Asset Quality Ratios (%)
NPAs / Assets NA 0.53 0.99
NCOs / Avg Loans NA 0.01 0.03
Reserves / Loans 0.98 0.93 0.95
Reserves / NPAs NA 63.63 116.40
Capital Ratios (%)
Tier 1 Capital NA 15.88 15.88
Tangible Equity / Tangible Assets 20.95 11.13 10.60
Total Equity / Total Assets 20.95 11.13 11.44
Market Ratios
Price / Earnings (x) NA 15.17 15.35
Price / Book (%) NA 106.77 106.78
Dividend Yield (%) 0.00 1.13 1.67
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