Richmond Mutual Bancorp Q3 net income $3.6M ($0.37 EPS), up 54% YoY; NIM expands to 3.07%

Richmond Mutual Bancorporation, Inc.

2025-Q3 EPS reported $0.82

Diluted EPS $0.37 vs $0.26 prior quarter and $0.24 a year ago; net income $3.6M, up 42% QoQ and 54% YoY.
Net interest margin improved to 3.07% from 2.93% in Q2 2025 and 2.60% in Q3 2024.
Nonperforming loans rose to $10.8M (0.90% of loans) from $6.8M (0.58%) at Dec 31, 2024.
Provision for credit losses $269K, down from $745K in prior quarter; net charge-offs $317K vs $626K.
Stockholders' equity $140.0M; book value per share $13.43; $5.6M in share repurchases YTD.

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