)

Richmond Mutual Bancorporation (RMBI) investor relations material
Richmond Mutual Bancorporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $2.6 million, up 26–30% year-over-year, with diluted EPS of $0.26; six-month net income rose 3.2% to $4.6 million.
Net interest margin improved to 2.93% in Q2 2025 from 2.64% a year ago and 2.79% in Q1 2025.
Share repurchases reduced average diluted shares, contributing to EPS growth.
Total assets reached $1.51 billion at June 30, 2025, with loans and leases net of allowance at $1.17 billion and deposits at $1.08 billion.
Net interest income and margin improved due to higher loan yields outpacing funding cost increases.
Financial highlights
Net interest income for Q2 2025 increased 12.4% year-over-year to $10.8 million; six-month net interest income rose 8.3% to $21.0 million.
Noninterest income for Q2 2025 was $1.1 million, down 2.9% year-over-year, mainly due to net losses on securities sales.
Noninterest expense for Q2 2025 was $8.1 million, up 0.7% year-over-year but down 3.1% sequentially due to lower legal/professional fees.
Provision for credit losses was $745,000 in Q2 2025, up from $270,000 in Q2 2024; six-month provision totaled $1.5 million.
Net charge-offs were $626,000 in Q2 2025, up from $395,000 in Q1 and $450,000 in Q2 2024.
Outlook and guidance
Management expects continued margin expansion as asset yields remain elevated and deposit costs stabilize.
Focus remains on disciplined growth, expense control, and maintaining strong credit quality amid economic uncertainty and inflation.
Ongoing economic uncertainty, including inflation and geopolitical risks, may impact credit quality and provisioning.
The company plans to maintain regular quarterly dividends and continue proactive capital management.
Next Richmond Mutual Bancorporation earnings date

Next Richmond Mutual Bancorporation earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, 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.
)
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.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
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.
)
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.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
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.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
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.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
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.
Explore our global coverage