---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-035768"
form_type: "8-K"
ticker: "RMBI"
cik: "0001767837"
company_name: "Richmond Mutual Bancorporation, Inc."
filed_at: "2025-07-23T23:59:59+00:00"
generated_at: "2026-05-18T03:33:08.372580+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Richmond Mutual Bancorp Q2 2025 EPS $0.26, up 30% YoY; NIM expands to 2.93%

## Summary
- Net income $2.6M ($0.26 diluted EPS) vs $2.1M ($0.20 EPS) Q2 2024, a 30% increase.
- Net interest margin improved to 2.93% from 2.79% Q1 and 2.64% Q2 2024.
- Nonperforming loans rose to 0.68% of loans ($8.1M) from 0.58% at Dec 2024.
- Repurchased 101,127 shares at avg $13.46 per share in Q2.
- Provision for credit losses $745,000 vs $270,000 Q2 2024.

## SEC filing metadata
- accession: 0001628280-25-035768
- form_type: 8-K
- ticker: RMBI
- cik: 0001767837
- company_name: Richmond Mutual Bancorporation, Inc.
- filed_at: 2025-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1767837/000162828025035768/0001628280-25-035768-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1767837/000162828025035768/rmbi-20250723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035768
- JSON: https://secwatch.observer/filing/0001628280-25-035768.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035768.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.