---
schema_version: "secwatch.filing_event.v1"
accession: "0001767837-25-000001"
form_type: "8-K"
ticker: "RMBI"
cik: "0001767837"
company_name: "Richmond Mutual Bancorporation, Inc."
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T15:05:55.867563+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Richmond Mutual Q4 2024 net income $2.5M ($0.24 EPS); net interest margin 2.70%

## Summary
- Net income $2.5M ($0.24 diluted EPS) flat vs Q3 2024, up from $1.9M ($0.19) in Q4 2023.
- Net interest income $9.9M, up 4.6% QoQ and 5.7% YoY; net interest margin 2.70% vs 2.60% QoQ.
- Loans and leases net $1.2B, up 6.3% YoY; nonperforming loans improved to 0.58% from 0.72% YoY.
- Repurchased 133,858 shares at avg $13.95 in Q4; 472,944 shares remain under buyback program.
- Deposits $1.1B, up 5.1% YoY; uninsured deposits estimated at 22.7% of total excluding collateralized public deposits.

## SEC filing metadata
- accession: 0001767837-25-000001
- form_type: 8-K
- ticker: RMBI
- cik: 0001767837
- company_name: Richmond Mutual Bancorporation, Inc.
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1767837/000176783725000001/0001767837-25-000001-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1767837/000176783725000001/rmbi-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001767837-25-000001
- JSON: https://secwatch.observer/filing/0001767837-25-000001.json
- Plain text: https://secwatch.observer/filing/0001767837-25-000001.txt

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