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Richmond Mutual Bancorporation
Richmond Mutual Bancorporation (RMBI) investor relations material
Richmond Mutual Bancorporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Reported Q4 2025 net income of $3.4 million ($0.35 diluted EPS), down from $3.6 million in Q3 2025 but up from $2.5 million in Q4 2024; full-year 2025 net income was $11.6 million ($1.17 diluted EPS), up from $9.4 million in 2024.
Q4 results were negatively impacted by $467,000 in pre-tax acquisition-related expenses tied to the pending merger with Farmers Bancorp, reducing EPS by $0.04.
Net interest income growth and an expanded net interest margin drove year-over-year earnings improvement.
Financial highlights
Assets totaled $1.5 billion at December 31, 2025, unchanged from prior periods.
Loans and leases, net of allowance, were $1.2 billion; deposits totaled $1.1 billion.
Book value and tangible book value per share rose to $13.88 from $12.29 a year earlier.
Net interest income for Q4 2025 was $11.5 million, up 2.1% sequentially and 16.9% year-over-year.
Annualized net interest margin improved to 3.11% from 2.70% a year ago.
Noninterest income increased 17.2% sequentially and 27.7% year-over-year to $1.5 million.
Noninterest expense rose 5.6% sequentially and 7.7% year-over-year, mainly due to acquisition-related costs.
Outlook and guidance
The merger with Farmers Bancorp is expected to close in Q2 2026, pending regulatory and shareholder approvals.
Management anticipates the merger will enhance scale, market presence, and EPS growth.
Elaborate on expected EPS growth from merger
Detail the drivers of Q4 2025 NPL increase
How does investment strategy support NIM growth?
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Next Richmond Mutual Bancorporation earnings date
Q1 202624 Apr, 2026
Richmond Mutual Bancorporation
Next Richmond Mutual Bancorporation earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Richmond Mutual Bancorporation, Inc. (RMBI) is the bank holding company for First Bank Richmond, which provides a variety of banking services. The company accepts deposits through various accounts, including savings, money market, NOW, and certificates of deposit. Its lending portfolio covers a wide range of products, such as multi-family and commercial real estate loans, construction and development loans, residential real estate loans, and consumer loans. Additionally, the company offers fee-based financial services including trust and estate administration, investment management, retirement plan administration, and private banking. Richmond Mutual Bancorporation, Inc. is headquartered in Richmond, Indiana, and its shares are listed on the NASDAQ.
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