{"schema_version":"secwatch.filing_event.v1","accession":"0001767837-24-000014","form_type":"8-K","ticker":"RMBI","cik":"0001767837","company_name":"Richmond Mutual Bancorporation, Inc.","filed_at":"2024-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.462837+00:00","generated_at":"2026-05-31T15:59:06.525112+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Richmond Mutual Q2 net income falls to $2.1M, EPS $0.20; NIM compresses to 2.64%","bullets":["Diluted EPS of $0.20 vs $0.23 in Q1'24 and $0.26 in Q2'23; net income $2.1M down 12.5% QoQ.","Net interest margin 2.64% from 2.74% QoQ and 2.77% YoY; interest expense rose 8.6% QoQ.","Provision for credit losses $270K vs $183K QoQ; net charge-offs $450K in Q2.","Nonperforming loans $7.7M (0.67% of loans) vs $8.0M at Dec'23; deposit base grew 5.7% since Dec'23.","Repurchased 97,315 shares at avg $11.68 in Q2; additional 16,034 shares repurchased post-quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001767837-24-000014","json":"https://secwatch.observer/filing/0001767837-24-000014.json","markdown":"https://secwatch.observer/filing/0001767837-24-000014.md","text":"https://secwatch.observer/filing/0001767837-24-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1767837/000176783724000014/0001767837-24-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1767837/000176783724000014/rmbi-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:59:06.525112+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"}