Richmond Mutual Q4 EPS $0.35 (+45.8% YoY); announces $82M merger with Farmers Bancorp

Richmond Mutual Bancorporation, Inc.

2025-FY EPS reported $1.17

Q4 2025 net income $3.4M ($0.35 diluted EPS), up 45.8% YoY from $0.24; down 2.8% QoQ from $0.36.
Proposed merger with Farmers Bancorp valued at ~$82M; Farmers shareholders receive 3.40 RMBI shares per share; closing expected Q2 2026.
Nonperforming loans rose to $17.4M (1.46% of loans) from $6.8M (0.58%) a year ago, driven by one $6.7M CRE loan.
Net interest margin expanded to 3.11% from 2.70% a year ago; net interest income up 16.9% YoY.
Book value per share $13.88, up from $12.29 a year ago; equity-to-assets ratio 9.55%.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.