The bank maintains a conservative capital structure with an equity-to-assets ratio of 0.10 and a significant liquidity buffer comprised of $1.3 billion in investment securities.
| Cash & Short Term Investments | 255.91B | 287.12M | 27.55M | 302.93M | 301.31M | 380.58M | 293.27M | 242.38M | 137.45M | 134.73M |
| Cash & Due from Banks | 35.2M | 35.2M | 22.06M | 20.24M | 16.41M | 23.04M | 48.77M | 40.6M | 14.97M | 16.37M |
| Short Term Investments | 245.52B | 251.92M | 5.49M | 282.69M | 284.9M | 357.54M | 244.51M | 201.78M | 122.48M | 118.36M |
| Total Investments | 1.28B | 1.29B | 1.28B | 1.22B | 1.12B | 1.07B | 875.96M | 795.37M | 690.58M | 601.24M |
| Investments Growth % | 2.88% | 0.82% | 4.26% | 9.13% | 4.5% | 22.52% | 10.13% | 15.17% | 14.86% | - |
| Long-Term Investments | 4.44B | 1.03B | 1.27B | 941.17M | 836.56M | 715.68M | 631.45M | 593.58M | 568.1M | 482.88M |
| Accounts Receivables | 6.18M | 6.3M | 6.03M | 5.84M | 4.71M | 4.19M | 4.7M | 3.05M | 2.69M | 2.27M |
| Goodwill & Intangibles | 1.88M | 1.88M | 1.95M | 1.95M | 2.01M | 1.65M | 1.71M | 1.03M | 1.23M | 1.04M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1.88M | 1.88M | 1.95M | 1.95M | 2.01M | 1.65M | 1.71M | 1.03M | 1.23M | 1.04M |
| PP&E (Net) | 13.5M | 13.4M | 12.92M | 13.31M | 13.67M | 14.35M | 14.89M | 14.09M | 14.03M | 13.59M |
| Other Assets | 297.54M | 182.51M | 40.25M | 41.18M | 37.49M | 24.43M | 20.99M | 22.31M | 18.39M | 19.17M |
| Total Current Assets | 15.87M | 293.42M | 179.21M | 463.42M | 438.3M | 511.53M | 415.15M | 355.03M | 247.88M | 236.94M |
| Total Non-Current Assets | 1.5B | 1.23B | 1.33B | 997.61M | 889.73M | 756.11M | 669.04M | 631.02M | 601.74M | 516.69M |
| Total Assets | 1.52B | 1.53B | 1.5B | 1.46B | 1.33B | 1.27B | 1.08B | 986.04M | 849.62M | 753.62M |
| Asset Growth % | 4.21% | 1.39% | 3% | 10.01% | 4.76% | 16.92% | 9.95% | 16.06% | 12.74% | - |
| Return on Assets (ROA) | 0.82% | 0.76% | 0.63% | 0.68% | 1% | 0.95% | 0.97% | -1.53% | 0.71% | 0.36% |
| Accounts Payable | 2.66M | 3.46M | 4.83M | 4.4M | 1.37M | 258.03K | 222.12K | 296.77K | 550.75K | 237.69K |
| Total Debt | 256M | 252M | 265M | 271M | 180M | 180M | 170M | 154M | 136.1M | 104M |
| Net Debt | 220.8M | 216.8M | 242.94M | 250.76M | 163.59M | 156.96M | 121.23M | 113.4M | 121.13M | 87.63M |
| Long-Term Debt | 256M | 252M | 265M | 271M | 180M | 180M | 170M | 154M | 136.1M | 104M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.12B | 9.66M | 8.23M | 9.63M | 9.01M | 6.72M | 28.21M | 26.74M | 6.48M | 7.19M |
| Total Current Liabilities | 1.11B | 1.12B | 1.1B | 1.05B | 1.01B | 900.43M | 693.27M | 617.52M | 621.19M | 560.63M |
| Total Non-Current Liabilities | 1.37B | 261.66M | 273.23M | 280.63M | 189.01M | 186.72M | 198.21M | 180.74M | 142.58M | 111.19M |
| Total Liabilities | 1.37B | 1.38B | 1.37B | 1.33B | 1.2B | 1.09B | 891.48M | 798.25M | 763.76M | 671.82M |
| Total Equity | 144.91M | 145.78M | 132.87M | 134.86M | 132.38M | 180.48M | 192.71M | 187.79M | 85.85M | 81.8M |
| Equity Growth % | 21.32% | 9.72% | -1.47% | 1.87% | -26.65% | -6.35% | 2.62% | 118.73% | 4.96% | - |
| Equity / Assets (Capital Ratio) | 9.54% | 9.55% | 8.83% | 9.23% | 9.97% | 14.24% | 17.77% | 19.04% | 10.1% | 10.85% |
| Return on Equity (ROE) | 8.8% | 8.31% | 7% | 7.1% | 8.29% | 5.97% | 5.27% | -10.29% | 6.77% | 3.32% |
| Book Value per Share | 14.70 | 14.82 | 12.99 | 12.90 | 11.97 | 15.52 | 15.69 | 15.07 | 6.59 | 6.28 |
| Tangible BV per Share | 14.51 | 14.63 | 12.80 | 12.72 | 11.79 | 15.37 | 15.55 | 14.98 | 6.50 | 6.20 |
| Common Stock | 105.01K | 105.01K | 108.15K | 112.08K | 117.84K | 124K | 131.94K | 135.27K | 0 | 0 |
| Additional Paid-in Capital | 92.99M | 92.9M | 97.71M | 101.35M | 106.09M | 114.34M | 124.25M | 132.6M | 12.75M | 12.76M |
| Retained Earnings | 98.64M | 97.32M | 91.58M | 87.9M | 88.12M | 80.16M | 78.29M | 70.11M | 77.48M | 71.77M |
| Accumulated OCI | -37.02M | -34.56M | -45.81M | -43.05M | -49.75M | -1.21M | 3.71M | -660.74K | -4.38M | -2.73M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE concentration refinancing risk
According to recent financial filings, RMBI's total assets have remained anchored at $1.5 billion, with the balance sheet composition heavily weighted toward a $1.3 billion investment securities portfolio, suggesting a strategic preference for liquidity over aggressive loan book expansion in the current interest rate environment.
The bank's asset base appears remarkably static, indicating a conservative approach to balance sheet management that prioritizes capital preservation. This reliance on securities rather than loan growth may limit upside potential but provides a buffer against the credit volatility inherent in the regional commercial real estate market.
As reported in the bank's quarterly statements, the equity-to-assets ratio has hovered consistently around 0.09 to 0.10, demonstrating a stable capital position that supports the bank's current risk profile while maintaining sufficient regulatory cushion for its $1.5 billion asset base.
The stability of the equity-to-assets ratio suggests that management is successfully balancing organic growth with capital retention. Investors should monitor whether this capital level remains adequate if the bank continues to expand its loan production offices into more competitive, higher-risk urban markets.
Based on the provided balance sheet data, RMBI maintains a cash and cash equivalents position of $35.2 million as of 2026Q1, which, when combined with the substantial $1.3 billion securities portfolio, provides a robust liquidity profile to meet potential deposit outflows or funding requirements.
The bank's liquidity strategy appears to rely heavily on its securities portfolio, which acts as a primary source of contingent funding. This structure implies that the bank is well-positioned to navigate short-term volatility, though it remains sensitive to the market value fluctuations of its fixed-income holdings.
As indicated by the bank's reported figures, the overwhelming concentration of assets in the $1.3 billion securities portfolio relative to the total $1.5 billion asset base warrants further investigation into potential duration mismatches and the impact of interest rate sensitivity on the bank's overall equity valuation.
While the securities portfolio provides liquidity, it also exposes the bank to significant interest rate risk that may not be fully captured by headline capital ratios. If interest rates remain elevated, the unrealized losses within this portfolio could potentially constrain the bank's future flexibility to deploy capital for strategic growth.
Quick answers to the most common questions about buying RMBI stock.
As of 2025, Richmond Mutual Bancorporation, Inc. (RMBI) had total assets of $1.53B including $293.4M in current assets.
Richmond Mutual Bancorporation, Inc. (RMBI) carries total debt of $252.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Richmond Mutual Bancorporation, Inc. (RMBI) has total shareholders' equity (book value) of $145.8M ($14.82 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Richmond Mutual Bancorporation, Inc. (RMBI) reported a current ratio of 0.26x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.