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Richmond Mutual Bancorporation, Inc. filings document material events for the Maryland bank holding company and its First Bank Richmond subsidiary. Recent Form 8-K disclosures include earnings releases under results of operations, cash dividend declarations on common stock, Regulation FD investor presentation materials, and related exhibit filings.
The filing record also covers capital-structure and governance disclosures relevant to a public bank holding company, including common-stock dividend actions, shareholder voting matters, material agreements, financial condition updates, and regulatory capital information for the banking subsidiary.
Richmond Mutual Bancorporation (RMBI) reported higher earnings for the quarter ended September 30, 2025. Net income was $3,597,006 versus $2,471,878 a year ago, and diluted EPS was $0.36 versus $0.24. For the first nine months, net income was $8,167,314 versus $6,901,373. Net interest income rose to $11,294,961 from $9,432,799 as interest expense eased slightly and loan yields improved.
Total assets were $1,525,565,364 as of September 30, 2025, up from $1,504,874,860 at December 31, 2024. Loans and leases, net, were $1,178,231,605 versus $1,158,879,008, while deposits reached $1,118,258,347 versus $1,093,939,857. Accumulated other comprehensive loss narrowed to $38,106,794 from $45,806,197, reflecting securities valuation improvement.
Credit metrics were mixed: the allowance for credit losses was $16,364,629; nonaccrual loans and leases were $6,381,000 versus $5,063,000 at year‑end. The company paid a $0.15 per‑share dividend in the quarter and repurchased $5,633,659 of common stock year‑to‑date. Shares outstanding were 10,426,263 at September 30, 2025.
Richmond Mutual Bancorporation, Inc. (RMBI) filed an 8-K announcing its third quarter 2025 earnings. The company furnished a press release as Exhibit 99.1, dated October 23, 2025, under Item 2.02 (Results of Operations and Financial Condition).
The filing is administrative in nature and includes Exhibit 104 for the cover page Inline XBRL data file.
Richmond Mutual Bancorporation, Inc. declared a cash dividend of $0.15 per share on its common stock. The dividend is payable on September 18, 2025 to stockholders of record at the close of business on September 4, 2025. This action, disclosed in an 8-K under Other Events, returns cash directly to shareholders and is further described in a press release attached as an exhibit.
Richmond Mutual Bancorporation (RMBI) reported modest operating growth for the quarter and first half of 2025. Net income for Q2 2025 was $2.60 million, up from $2.06 million a year earlier, and year-to-date net income was $4.57 million versus $4.43 million in 2024. Earnings per share rose to $0.27 basic for the quarter and $0.47 basic year-to-date as the company repurchased common stock during the period.
Total assets were approximately $1.508 billion and total deposits were about $1.096 billion. Loans and leases, net of allowance, were $1.1679 billion with an allowance for credit losses of $16.219 million. The company recorded a higher provision for credit losses in Q2 2025 of $744,690 (six-month provision $1.4758 million), and net charge-offs contributed to a modest increase in the allowance. Investment securities showed aggregate unrealized losses of about $55.148 million, but the quarter included an unrealized gain on AFS securities of $959,255 that supported comprehensive income of $3.685 million for the quarter.