{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-046116","form_type":"8-K","ticker":"RMBI","cik":"0001767837","company_name":"Richmond Mutual Bancorporation, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.367580+00:00","generated_at":"2026-05-17T02:32:43.173780+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Richmond Mutual Bancorp Q3 net income $3.6M ($0.37 EPS), up 54% YoY; NIM expands to 3.07%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-046116","json":"https://secwatch.observer/filing/0001628280-25-046116.json","markdown":"https://secwatch.observer/filing/0001628280-25-046116.md","text":"https://secwatch.observer/filing/0001628280-25-046116.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1767837/000162828025046116/0001628280-25-046116-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1767837/000162828025046116/rmbi-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:32:43.173780+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}