---
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"
generated_at: "2026-05-17T02:32:43.173780+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-046116
- JSON: https://secwatch.observer/filing/0001628280-25-046116.json
- Plain text: https://secwatch.observer/filing/0001628280-25-046116.txt

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