Richmond Mutual Bancorporation Reports Q4 2025 Net Income of $3.4 Million, EPS of $0.35
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: PRnewswire
- Net Income Growth: Richmond Mutual Bancorporation reported a net income of $3.4 million for Q4 2025, reflecting a 45.8% increase compared to the same quarter in 2024, primarily driven by enhanced net interest income, indicating improved profitability in a favorable interest rate environment.
- Merger Agreement: The company has entered into a merger agreement with Farmers Bancorp valued at approximately $82 million, expected to close in Q2 2026, with Farmers Bancorp shareholders owning about 38% of the combined entity, enhancing market competitiveness.
- Interest Income Increase: Net interest income for Q4 reached $11.5 million, a 16.9% increase from Q4 2024, driven by improved asset yields and lower funding costs, further solidifying the company's financial foundation.
- Expense Management: Non-interest expenses rose by 5.6% to $8.5 million year-over-year; however, effective cost management and operational optimization have ensured sustained profitability, reflecting strong financial health.
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Analyst Views on RMBI
About RMBI
Richmond Mutual Bancorporation, Inc. is a holding company for First Bank Richmond, an Indiana state-chartered commercial bank. The Company's principal business consists of attracting deposits from the general public, as well as brokered deposits, and investing those funds primarily in loans secured by commercial and multi-family real estate, first mortgages on owner-occupied, one-to-four-family residences, a variety of consumer loans, direct financing leases and commercial and industrial loans. It offers a full range of lending products, including multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, including home equity loans and lines of credit, and consumer loans. It also engages in lease financing, which consists of direct financing leases and is used by its commercial customers to finance purchases of equipment. It also provides trust and wealth management services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Richmond Mutual Reports Q4 GAAP EPS of $0.35 with $13.05M Revenue
- Financial Performance: Richmond Mutual reported a Q4 GAAP EPS of $0.35 with revenues of $13.05 million, indicating stable income growth despite market challenges.
- Asset Scale: As of December 31, 2025, total assets reached $1.5 billion, maintaining stability and enhancing investor confidence through effective asset management.
- Nonperforming Loans: Nonperforming loans and leases totaled $17.4 million, or 1.46% of total loans, significantly up from $10.8 million and 0.90% in the previous quarter, reflecting increased credit risk that may impact future profitability.
- Equity Growth: Stockholders' equity totaled $145.8 million as of December 31, 2025, up from $140.0 million at the end of September 2025, demonstrating positive progress in capital accumulation.
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Richmond Mutual Bancorporation Reports Q4 2025 Net Income of $3.4 Million, EPS of $0.35
- Net Income Growth: Richmond Mutual Bancorporation reported a net income of $3.4 million for Q4 2025, reflecting a 45.8% increase compared to the same quarter in 2024, primarily driven by enhanced net interest income, indicating improved profitability in a favorable interest rate environment.
- Merger Agreement: The company has entered into a merger agreement with Farmers Bancorp valued at approximately $82 million, expected to close in Q2 2026, with Farmers Bancorp shareholders owning about 38% of the combined entity, enhancing market competitiveness.
- Interest Income Increase: Net interest income for Q4 reached $11.5 million, a 16.9% increase from Q4 2024, driven by improved asset yields and lower funding costs, further solidifying the company's financial foundation.
- Expense Management: Non-interest expenses rose by 5.6% to $8.5 million year-over-year; however, effective cost management and operational optimization have ensured sustained profitability, reflecting strong financial health.
Continue Reading