{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-049841","form_type":"8-K","ticker":"RMBI","cik":"0001767837","company_name":"Richmond Mutual Bancorporation, Inc.","filed_at":"2026-07-27T21:06:37+00:00","discovered_at":"2026-07-27T21:08:00.268928+00:00","generated_at":"2026-07-27T21:08:14.149491+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Richmond Mutual Q2 net income falls to $2.2M ($0.22 EPS) on $1.9M merger costs","bullets":["Net income $2.2M ($0.22 diluted EPS) vs $2.8M ($0.28) in Q1 2026 and $2.6M ($0.26) in Q2 2025.","Net interest margin expanded to 3.22% from 3.10% in Q1 2026 and 2.93% in Q2 2025.","Nonperforming loans rose to 1.78% of total loans ($21.8M) from 1.46% at Dec 31, 2025.","Completed merger with Farmers Bancorp on July 1, 2026; combined bank renamed First Bank Midwest.","Noninterest expense increased 16.8% to $10.2M, driven by $1.9M non-recurring merger-related costs."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-049841","json":"https://secwatch.observer/filing/0001628280-26-049841.json","markdown":"https://secwatch.observer/filing/0001628280-26-049841.md","text":"https://secwatch.observer/filing/0001628280-26-049841.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1767837/000162828026049841/0001628280-26-049841-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1767837/000162828026049841/rmbi-20260727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-27T21:08:14.149491+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"}