Richmond Mutual Bancorporation, Inc.

Richmond Mutual Bancorporation, Inc.

RMBIยทNASDAQ

$14.32

-0.14%
Financial ServicesBanks - Regional

Richmond Mutual Bancorporation, Inc. operates as a holding company for First Bank Richmond that provides various banking services. The company accepts various deposits, including savings deposit accounts, money market accounts NOW and demand accounts, and certificates of deposit. It also offers a range of lending products, such as multi-family and commercial real estate loans, commercial and industrial loans, construction and development loans, residential real estate loans, and consumer loans. In addition, the company engages in the lease financing business; and provision of fee-based financial services comprising trust and estate administration, investment management, retirement plan administration, and private banking services. It operates through 12 full service and one limited-service banking offices with seven full-service and one limited-service offices located in Indiana; five offices situated in Ohio; one full-service banking office and four other branch offices are located in Richmond, Indiana; two other offices in Cambridge City, Centerville, Richmond, and Shelbyville, Indiana; two offices in Sidney and Ohio; two offices in Piqua and one office in Troy, Ohio; and a loan production office in Columbus, Ohio. Richmond Mutual Bancorporation, Inc. was founded in 1887 and is headquartered in Richmond, Indiana.

At a Glance

Live Snapshot
Market Cap$140.05M
EPS1.2000
P/E Ratio11.93
Earnings Date07/22/2026
3Y+15.0%
5Y+41.0%
10Y+102.0%
3Y+15.0%
5Y+55.0%
10Y+105.0%
3Y+10.0%
5Y-24.0%
10Y+78.0%
rmbi

Richmond Mutual Bancorporation, Inc. Funding & Solvency Profile

RMBI ยท NASDAQ
Cash & Cash Equivalents35.20M
Net Receivables6.30M
Inventory0.00
Other Current Assets0.00
Total Current Assets293 M
Property, Plant & Equipment13.40M
Goodwill & Intangible Assets1.88M
Long-Term Investments1.03B
Other Non-Current Assets182.51M
Total Non-Current Assets1 B
Total Assets
1.53B

Financial Health Analysis

Current Ratio

0.26x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.47x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-824934317

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

19% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Richmond Mutual Bancorporation, Inc. Balance Sheet

RMBI โ€ข NASDAQ

Richmond Mutual Bancorporation, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017
ASSETS
CURRENT ASSETS
35.2M
22.1M
20.2M
16.4M
23M
48.8M
40.6M
15M
16.4M
251.9M
5.5M
282.7M
284.9M
357.5M
244.5M
201.8M
122.5M
118.4M
287.1M
27.5M
302.9M
301.3M
380.6M
293.3M
242.4M
137.5M
134.7M
6.3M
151.7M
160.5M
137M
131M
121.9M
112.6M
110.4M
102.2M
6.3M
6M
5.8M
4.7M
4.2M
4.7M
3.1M
2.7M
2.3M
0.0
145.6M
154.6M
132.3M
126.8M
117.2M
109.6M
107.7M
99.9M
293.4M
179.2M
463.4M
438.3M
511.5M
415.1M
355M
247.9M
236.9M
NON-CURRENT ASSETS
13.4M
12.9M
13.3M
13.7M
14.3M
14.9M
14.1M
14M
13.6M
1.9M
2M
1.9M
2M
1.6M
1.7M
1M
1.2M
1M
1.9M
2M
1.9M
2M
1.6M
1.7M
1M
1.2M
1M
1B
1.3B
941.2M
836.6M
715.7M
631.5M
593.6M
568.1M
482.9M
182.5M
40.3M
41.2M
37.5M
24.4M
21M
22.3M
18.4M
19.2M
1.2B
1.3B
997.6M
889.7M
756.1M
669M
631M
601.7M
516.7M
1.5B
1.5B
1.5B
1.3B
1.3B
1.1B
986M
849.6M
753.6M
LIABILITIES
CURRENT LIABILITIES
3.5M
4.8M
4.4M
1.4M
258K
222.1K
296.8K
550.7K
237.7K
3.5M
4.8M
4.4M
1.4M
258K
222.1K
296.8K
550.7K
237.7K
1.1B
1.1B
1B
1B
900.2M
693M
617.2M
620.6M
560.4M
1.1B
1.1B
1B
1B
900.4M
693.3M
617.5M
621.2M
560.6M
NON-CURRENT LIABILITIES
252M
265M
271M
180M
180M
170M
154M
136.1M
104M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
574K
570K
9.7M
8.2M
9.6M
9M
6.7M
28.2M
0.0
6.5M
7.2M
261.7M
273.2M
280.6M
189M
186.7M
198.2M
180.7M
142.6M
111.2M
1.4B
1.4B
1.3B
1.2B
1.1B
891.5M
798.3M
763.8M
671.8M
SHAREHOLDERS' EQUITY
105K
108.2K
112.1K
117.8K
124K
131.9K
135.3K
0.0
0.0
92.9M
97.7M
101.3M
106.1M
114.3M
124.2M
132.6M
12.8M
12.8M
97.3M
91.6M
87.9M
88.1M
80.2M
78.3M
70.1M
77.5M
71.8M
-34.6M
-45.8M
-43M
-49.8M
-1.2M
3.7M
-661K
-4.4M
-2.7M
-10M
-10.7M
-11.5M
-12.2M
-12.9M
-13.7M
-14.4M
0.0
0.0
145.8M
132.9M
134.9M
132.4M
180.5M
192.7M
187.8M
85.9M
81.8M
145.8M
132.9M
134.9M
132.4M
180.5M
192.7M
187.8M
85.9M
81.8M
SUMMARY
1.5B
1.5B
1.5B
1.3B
1.3B
1.1B
986M
849.6M
753.6M
1.3B
1.3B
1.2B
1.1B
1.1B
876M
795.4M
690.6M
601.2M
252M
265M
271M
180M
180M
170M
154M
136.1M
104M
216.8M
242.9M
250.8M
163.6M
157M
121.2M
113.4M
121.1M
87.6M
9,765,699
9,765,699
9,765,699
9,765,699
9,765,699
9,765,699
9,765,699
9,765,699
9,765,699

SEC Filings

RMBI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 27, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 12, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 05, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
S-4/A

S-4/A (Amended)

N/A

March 31, 2026
March 31, 2026
ย 
S-4

S-4

N/A

March 23, 2026
March 23, 2026
ย 
10-K

10-K 2025 FY

FY

March 23, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
Showing 1 to 10 of 118 filings