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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.Q2 2025 earnings summary23 Jul, 2025
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.
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Next Richmond Mutual Bancorporation earnings date
Q3 202530 Oct, 2025
Next Richmond Mutual Bancorporation earnings date
Q3 202530 Oct, 2025
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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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