secwatch.observer — SEC 8-K summary
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Issuer:     Richmond Mutual Bancorporation, Inc. (RMBI)
CIK:        0001767837
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001628280-25-046116
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1767837/000162828025046116/0001628280-25-046116-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1767837/000162828025046116/rmbi-20251023.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-046116

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer