Peer Analysis

Performance Ratios (%) RMBI Peer Median Peer Average
ROAA NA 0.79 0.84
ROAE 5.56 6.81 7.46
Net Interest Margin NA 3.17 3.28
Efficiency Ratio 77.11 68.81 68.50
Loans / Deposits 84.27 98.05 97.95
Asset Quality Ratios (%)
NPAs / Assets 0.19 0.81 1.01
NCOs / Avg Loans NA 0.00 0.02
Reserves / Loans 0.90 0.92 0.96
Reserves / NPAs 305.35 86.16 107.86
Capital Ratios (%)
Tier 1 Capital NA 13.56 14.56
Tangible Equity / Tangible Assets 8.40 11.10 10.41
Total Equity / Total Assets 8.40 11.40 11.28
Market Ratios
Price / Earnings (x) NA 15.35 15.65
Price / Book (%) 0.00 108.05 108.00
Dividend Yield (%) 0.00 1.27 1.72
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 6/30/2019.

Peer financial data is as of 6/30/2019