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Richmond Mutual Bancorporation logo
Richmond Mutual Bancorporation RMBI
$ 15.9 0.0%
report update icon

Quarterly report 2026-Q2
added 08-13-2026

Richmond Mutual Bancorporation Balance Sheet 2025-2011 | RMBI

Brief overview of Richmond Mutual Bancorporation's balance sheet structure

The review uses the five latest available annual reports between 2021 and 2025.

The balance sheet expanded from $1.3 billion to $1.5 billion. Growth of +20.4% and CAGR of 4.7% look measured and sustainable.

Asset growth of +20.4% was close to the +26.9% change in liabilities, leaving the funding profile broadly stable.

A liability-heavy structure is normal for a financial institution; equity represents 9.6% of assets, from 14.2% initially.

Conclusion

Richmond Mutual Bancorporation's balance sheet presents a mixed picture: strengths coexist with a limited cushion. Future capital and debt trends are particularly important.

Annual Balance Sheet Richmond Mutual Bancorporation

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

Net Debt

- - - - - -16.7 M 315 M 121 M 87.6 M - - - - - -

Long Term Debt

- - - - - - 154 M 136 M 104 M - - - - - -

Total Non Current Liabilities

- - - - - - 546 K - - - - - - - -

Total Liabilities

1.38 B 1.37 B 1.33 B 1.2 B 1.09 B 891 M 798 M 764 M 672 M - - - - - -

Retained Earnings

- - - - - 78.3 M 70.1 M 77.5 M 71.8 M - - - - - -

Total Assets

1.53 B 1.5 B 1.46 B 1.33 B 1.27 B 1.08 B 986 M 850 M 754 M - - - - - -

Cash and Cash Equivalents

33.1 M 21.8 M 20.2 M 15.9 M 23 M 48.8 M 40.6 M 15 M - - - - - - -

Book Value

146 M 133 M 135 M 132 M 180 M 193 M 188 M 85.9 M 81.8 M - - - - - -

Total Shareholders Equity

146 M 133 M 135 M 132 M 180 M 193 M 188 M 85.9 M - - - - - - -

All numbers in USD currency

Quarterly Balance Sheet Richmond Mutual Bancorporation

2026-Q2 2026-Q1 2025-Q4 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Total Liabilities

1.38 B 1.37 B 1.37 B 1.39 B 1.38 B 1.39 B 1.37 B 1.35 B 1.36 B 1.36 B 1.33 B 1.3 B 1.28 B 1.23 B 1.2 B 1.15 B 1.13 B 1.1 B 1.09 B 1.05 B 1.01 B 951 M 891 M 891 M 891 M 891 M 798 M 798 M 798 M 798 M 764 M 764 M 764 M 764 M - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Total Assets

1.53 B 1.52 B 1.5 B 1.53 B 1.51 B 1.52 B 1.5 B 1.49 B 1.5 B 1.49 B 1.46 B 1.42 B 1.41 B 1.36 B 1.33 B 1.28 B 1.27 B 1.26 B 1.27 B 1.23 B 1.19 B 1.14 B 1.08 B 1.08 B 1.08 B 1.08 B 986 M 986 M 986 M 986 M 850 M 850 M 850 M 850 M - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cash and Cash Equivalents

21.8 M 34.8 M 20.2 M 34.3 M 27.2 M 27 M 21.8 M 19.6 M 19 M 20.3 M 20.2 M 20.7 M 17.5 M 17.4 M 15.9 M 19.4 M 14.4 M 19.6 M 23 M 19.8 M 17.1 M 65.5 M 48.8 M 48.8 M 48.8 M 48.8 M 40.6 M 40.6 M 40.6 M 40.6 M 15 M 15 M 15 M 15 M 16.2 M - - - - - - - - - - - - - - - - - - - - - - - - - - -

Book Value

146 M 145 M 133 M 140 M 132 M 131 M 133 M 140 M 131 M 132 M 135 M 119 M 131 M 136 M 133 M 125 M 139 M 157 M 180 M 179 M 183 M 190 M 193 M 193 M 193 M 193 M 188 M 188 M 188 M 188 M 85.9 M 85.9 M 85.9 M 85.9 M - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Total Shareholders Equity

133 M 145 M 135 M 140 M 132 M 131 M 133 M 140 M 131 M 132 M 135 M 118 M 130 M 136 M 133 M 125 M 139 M 157 M 180 M 179 M 183 M 190 M 193 M 193 M 193 M 193 M 188 M 188 M 188 M 188 M 85.9 M 85.9 M 85.9 M 85.9 M 81.8 M - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Balance Sheet is a fundamental financial report of Richmond Mutual Bancorporation, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

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