---
schema_version: "secwatch.filing_event.v1"
accession: "0001767837-23-000002"
form_type: "8-K"
ticker: "RMBI"
cik: "0001767837"
company_name: "Richmond Mutual Bancorporation, Inc."
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:23:18.698542+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Richmond Mutual Bancorp Q4 net income $3.3M ($0.31 EPS), full year $13.0M

## Summary
- Q4 2022 net income $3.3M ($0.31 diluted EPS); full year net income $13.0M ($1.17), up 17.1% YoY.
- Net interest margin 3.33% in Q4, vs 3.39% in Q3 and 3.31% in Q4 2021.
- Loans and leases, net, grew 15.5% YoY to $961.7M; deposits up 11.7% to $1.0B.
- No provision for loan losses in Q4; net charge-offs $143K vs net recoveries $259K in Q4 2021.
- Repurchased 18,178 shares at avg $13.11 in Q4; additional 10,292 shares after quarter end.

## SEC filing metadata
- accession: 0001767837-23-000002
- form_type: 8-K
- ticker: RMBI
- cik: 0001767837
- company_name: Richmond Mutual Bancorporation, Inc.
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1767837/000176783723000002/0001767837-23-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1767837/000176783723000002/rmbi-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001767837-23-000002
- JSON: https://secwatch.observer/filing/0001767837-23-000002.json
- Plain text: https://secwatch.observer/filing/0001767837-23-000002.txt

## Key facts
- Earnings Releases
  Richmond Mutual Bancorporation, Inc. reported the fourth quarter of 2022 results: net income $3.3 million, EPS $0.31 diluted earnings per share.
  - Period: the fourth quarter of 2022
  - Net income: $3.3 million
  - EPS: $0.31 diluted earnings per share
  - Result: reported results
  source text: today announced net income of $3.3 million, or $0.31 diluted earnings per share, for the fourth quarter of 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1767837/000176783723000002/0001767837-23-000002-index.htm
- Earnings Releases
  Richmond Mutual Bancorporation, Inc. reported the year ended December 31, 2022 results: net income $13.0 million, EPS $1.17 diluted earnings per share.
  - Period: the year ended December 31, 2022
  - Net income: $13.0 million
  - EPS: $1.17 diluted earnings per share
  - Result: reported results
  source text: Net income was $13.0 million, or $1.17 diluted earnings per share for the year ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1767837/000176783723000002/0001767837-23-000002-index.htm

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