)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Richmond Mutual Bancorporation (RMBI) investor relations material
Richmond Mutual Bancorporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $3.6 million, up from $2.6 million in Q2 2025 and $2.5 million in Q3 2024, representing a 42% sequential and 54% year-over-year increase in diluted EPS.
Growth was driven by higher net interest income and an expanded net interest margin, supported by stable interest rates and careful expense management.
Assets totaled $1.5 billion, loans and leases $1.2 billion, and deposits $1.1 billion at September 30, 2025.
Financial highlights
Net interest income rose 5.0% sequentially and 19.7% year-over-year to $11.3 million for Q3 2025.
Annualized net interest margin improved to 3.07% from 2.93% in Q2 2025 and 2.60% in Q3 2024.
Noninterest income increased 20.2% sequentially to $1.3 million, but declined 2.0% year-over-year.
Noninterest expense decreased 0.3% sequentially to $8.1 million, up 0.8% year-over-year.
Book value and tangible book value per share were $13.43 at September 30, 2025, up from $12.74 at June 30, 2025.
Outlook and guidance
Management remains focused on core banking operations, expense control, and long-term value creation amid ongoing economic uncertainty, interest rate pressures, and inflationary challenges.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Richmond Mutual Bancorporation earnings date
Q4 202523 Jan, 2026
Next Richmond Mutual Bancorporation earnings date
Q4 202523 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage