Richmond, IN · Cert 28533 · Richmond Mutual Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.5% share · #18 of 26 inst. · $0.1B of $16.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.77% | 0.58% | 0.76% | 0.97% | 1.01% | 0.77% | 0.67% | -8 bps | |
| Return on Equity | 8.71% | 9.42% | 7.32% | 9.35% | 11.52% | 11.58% | 8.64% | 7.63% | -172 bps | |
| Net Interest Margin | 2.43% | 2.53% | 2.61% | 2.75% | 2.88% | 2.93% | 2.94% | 3.05% | +30 bps | |
| Efficiency Ratio | 72.03% | 68.70% | 70.23% | 64.47% | 62.84% | 61.09% | 66.91% | 71.18% | +672 bps | |
| Non-Interest Burden | 1.64% | 1.63% | 1.73% | 1.64% | 1.67% | 1.62% | 1.84% | 2.04% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 2.96% | 2.43% | 0.90% | 2.26% | 1.27% | -0.30% | 2.83% | +193 bps | |
| Loan Growth (YoY) | 6.84% | 6.15% | 4.68% | 2.39% | 3.38% | 1.36% | -0.15% | 3.34% | +96 bps | |
| Deposit Growth (YoY) | 2.62% | 4.19% | 2.62% | -0.88% | 2.24% | 1.64% | 0.12% | 4.79% | +567 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.58% | 0.59% | 0.68% | 0.90% | 1.46% | 1.48% | 1.78% | +110 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.10% | 0.13% | 0.21% | 0.11% | 0.12% | 0.12% | 0.18% | -3 bps | |
| Allowance / Loans | 1.36% | 1.34% | 1.35% | 1.37% | 1.37% | 1.38% | 1.41% | 1.39% | +2 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.3x | 2.3x | 2.0x | 1.5x | 0.9x | 1.0x | 0.8x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 10.75% | 10.68% | 10.75% | 10.85% | 10.95% | 11.10% | 10.90% | +15 bps | |
| Total Risk-Based Capital | 14.35% | 14.23% | 14.04% | 14.24% | 14.36% | 14.64% | 14.62% | 14.24% | 0 bps | |
| Equity / Assets | 8.46% | 7.99% | 7.99% | 8.19% | 8.56% | 8.96% | 8.86% | 8.82% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.38% | 106.79% | 107.43% | 107.78% | 106.55% | 106.49% | 107.14% | 106.30% | -149 bps | |
| Liquid Assets / Assets | 0.98% | 1.05% | 1.21% | 1.08% | 1.47% | 1.62% | 1.74% | 1.55% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 414% | 402% | 403% | n/a | n/a | |