Richmond Mutual Bancorporation, Inc. (RMBI) Q3 2025 10-Q Quarterly Report
Richmond Mutual Bancorporation, Inc. (RMBI) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 10, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Richmond Mutual Bancorporation, Inc. Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue before provision increased; net interest income $11.3M Q3 2025 vs $9.4M Q3 2024, 19.7% YoY increase
- • Net income $3.6M Q3 2025, up 45.5% vs $2.5M Q3 2024; diluted EPS $0.36 vs $0.24 YoY
- • Net interest margin 3.07% Q3 2025 vs 2.60% Q3 2024; provision for credit losses $269K vs reversal of $99K YoY
- • Best segment: loans and leases (average balance $1.2B, yield increased to 6.63% from 6.27%), loan growth $19.4M (1.7%) since Dec 2024
- • Cash increased $12.5M (57.5%), deposits up $24.3M (2.2%), borrowings down $11M (4.2%); stock repurchased $5.6M, dividends $4.4M
- • Management cautious on credit losses due to economic risks including inflation, recession concerns, geopolitical tensions; continuing stress tests and portfolio reviews
Richmond Mutual Bancorporation, Inc. Q3 2025 Quarterly FinancialsXBRL
Revenue
$22M
▲ +7.7% YoY▲ +2.2% QoQ
Net Income
$4M
▲ +45.5% YoY▲ +38.2% QoQ
Net Margin
16.5%
▲ +429bp YoY▲ +430bp QoQ
ROE
2.6%
Total Assets
$1.5B
EPS (Diluted)
$0.36
▲ +44.0% YoY▲ +38.5% QoQ
Operating Cash Flow
$6M
▲ +117.8% YoY▲ +29.6% QoQ
Source: XBRL data from Richmond Mutual Bancorporation, Inc. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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