{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-003117","form_type":"8-K","ticker":"RMBI","cik":"0001767837","company_name":"Richmond Mutual Bancorporation, Inc.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.113729+00:00","generated_at":"2026-05-16T08:50:38.945796+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Richmond Mutual Q4 EPS $0.35 (+45.8% YoY); announces $82M merger with Farmers Bancorp","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-003117","json":"https://secwatch.observer/filing/0001628280-26-003117.json","markdown":"https://secwatch.observer/filing/0001628280-26-003117.md","text":"https://secwatch.observer/filing/0001628280-26-003117.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1767837/000162828026003117/0001628280-26-003117-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1767837/000162828026003117/rmbi-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:50:38.945796+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"}