Richmond Mutual Bancorporation, Inc. (RMBI) Balance Sheet
RMBI balance sheet, 2025
December 31, 2025 · U.S. dollars$1.53B assets = $1.38B liabilities + $145.8M equity
Both columns are drawn to the same scale: what RMBI owns equals what it owes plus shareholders’ equity. Hover a block for its value.
RMBI financial health
Descriptive bands, not a rating. Fiscal 2025.
RMBI balance sheet trends, 2017–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $753.6M2017 | $1.53B2025 | +9.2%/yr | |
| Total liabilities | $671.8M2017 | $1.38B2025 | +9.4%/yr | |
| Shareholders’ equity | $81.8M2017 | $145.8M2025 | +7.5%/yr | |
| Cash & short-term investments | $134.7M2017 | $287.1M2025 | +9.9%/yr | |
| Total debt | $104.0M2017 | $252.0M2025 | +11.7%/yr | |
| Net cash (debt) | $30.7M2017 | $35.1M2025 | +$4.4M | |
| Working capital | −$323.7M2017 | −$824.9M2025 | −$501.2M | |
| Book value per share | $6.282017 | $14.822025 | +11.3%/yr | |
| Debt / equity | 1.272017 | 1.732025 | +0.46 | |
| Shares outstanding | 13.0M2017 | 9.8M2025 | −3.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
RMBI assets
RMBI liabilities and equity
RMBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
RMBI balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & short-term investments | $287.1M | $27.5M | $302.9M | $301.3M | $380.6M | $293.3M | $242.4M | $137.5M | $134.7M |
| Cash & equivalents | $35.2M | $22.1M | $20.2M | $16.4M | $23.0M | $48.8M | $40.6M | $15.0M | $16.4M |
| Short-term investments | $251.9M | $5.5M | $282.7M | $284.9M | $357.5M | $244.5M | $201.8M | $122.5M | $118.4M |
| Receivables | $6.3M | $151.7M | $160.5M | $137.0M | $131.0M | $121.9M | $112.6M | $110.4M | $102.2M |
| Inventory | $0 | $0 | −$5.82B | $4.55B | −$27.2M | −$53.5M | −$43.6M | $176,000 | $34,000 |
| Other current assets | $0 | $0 | $5.82B | $0 | $27.2M | $53.5M | $43.6M | $0 | $0 |
| Total current assets | $293.4M | $179.2M | $463.4M | $438.3M | $511.5M | $415.1M | $355.0M | $247.9M | $236.9M |
| Property, plant & equipment (net) | $13.4M | $12.9M | $13.3M | $13.7M | $14.3M | $14.9M | $14.1M | $14.0M | $13.6M |
| Goodwill & intangible assets | $1.9M | $2.0M | $1.9M | $2.0M | $1.6M | $1.7M | $1.0M | $1.2M | $1.0M |
| Long-term investments | $254.7M | $261.7M | $287.6M | $291.6M | $366.6M | $256.7M | $217.7M | $143.6M | $143.2M |
| Other non-current assets | $962.4M | $1.05B | $694.7M | $582.5M | $373.5M | $395.7M | $398.2M | $442.9M | $358.8M |
| Total assets | $1.53B | $1.50B | $1.46B | $1.33B | $1.27B | $1.08B | $986.0M | $849.6M | $753.6M |
| Liabilities | |||||||||
| Accounts payable | $3.5M | $4.8M | $4.4M | $1.4M | $258,032 | $222,118 | $296,774 | $550,749 | $237,693 |
| Short-term debt | $136.1M | $125.1M | $109.1M | $27.1M | $6.0M | $170.0M | $11.0M | $52.1M | — |
| Deferred revenue | — | — | −$4.4M | −$25.7M | −$5.7M | — | −$10.7M | −$51.5M | — |
| Total current liabilities | $1.12B | $1.10B | $1.05B | $1.01B | $900.4M | $693.3M | $617.5M | $621.2M | $560.6M |
| Long-term debt | $252.0M | $265.0M | $271.0M | $180.0M | $180.0M | $170.0M | $545,500 | $543,530 | $501,440 |
| Other long-term liabilities | $9.7M | $8.2M | $9.6M | $9.0M | $6.7M | $28.2M | $180.2M | $142.0M | $110.7M |
| Total liabilities | $1.38B | $1.37B | $1.33B | $1.20B | $1.09B | $891.5M | $798.3M | $763.8M | $671.8M |
| Shareholders' equity | |||||||||
| Common stock & paid-in capital | $105,013 | $108,150 | $112,085 | $117,842 | $124,002 | $131,938 | $135,266 | $1 | $1 |
| Retained earnings (deficit) | $97.3M | $91.6M | $87.9M | $88.1M | $80.2M | $78.3M | $70.1M | $77.5M | $71.8M |
| Accumulated other comprehensive income | −$34.6M | −$45.8M | −$43.0M | −$49.8M | −$1.2M | $3.7M | −$660,744 | −$4.4M | −$2.7M |
| Total shareholders' equity | $145.8M | $132.9M | $134.9M | $132.4M | $180.5M | $192.7M | $187.8M | $85.9M | $81.8M |
| Key figures | |||||||||
| Total debt | $252.0M | $265.0M | $271.0M | $180.0M | $180.0M | $170.0M | $154.0M | $136.1M | $104.0M |
| Net cash (debt) | $35.1M | −$237.5M | $31.9M | $121.3M | $200.6M | $123.3M | $88.4M | $1.4M | $30.7M |
| Working capital | −$824.9M | −$919.6M | −$582.1M | −$568.3M | −$388.9M | −$278.1M | −$262.5M | −$373.3M | −$323.7M |
| Tangible book value | $143.9M | $130.9M | $132.9M | $130.4M | $178.8M | $191.0M | $186.8M | $84.6M | $80.8M |
| Book value per share | $14.82 | $12.99 | $12.90 | $11.97 | $15.52 | $15.69 | $15.07 | $6.59 | $6.28 |
| Shares outstanding | 9.8M | 10.2M | 10.5M | 11.1M | 11.6M | 12.3M | 12.5M | 13.0M | 13.0M |
| Current ratio | 0.26 | 0.16 | 0.44 | 0.44 | 0.57 | 0.60 | 0.57 | 0.40 | 0.42 |
| Quick ratio | 0.26 | 0.16 | 0.44 | 0.44 | 0.57 | 0.60 | 0.57 | 0.40 | 0.42 |
| Debt / equity | 1.73 | 1.99 | 2.01 | 1.36 | 1.00 | 0.88 | 0.82 | 1.59 | 1.27 |
| Equity / assets | 9.6% | 8.8% | 9.2% | 10.0% | 14.2% | 17.8% | 19.0% | 10.1% | 10.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $285.2M | $130.0M | $287.1M | $130.9M | $276.9M | $130.2M | $27.5M | $287.1M | $286.4M | $296.6M | $302.9M | $285.1M |
| Cash & equivalents | $34.7M | $37.6M | $35.2M | $34.3M | $27.5M | $27.3M | $22.1M | $19.9M | $19.0M | $20.3M | $20.2M | $20.9M |
| Short-term investments | $250.5M | $92.4M | $251.9M | $96.7M | $249.3M | $102.9M | $5.5M | $267.3M | $267.3M | $276.3M | $282.7M | $264.2M |
| Receivables | $6.3M | $6.2M | $6.3M | $149.5M | $150.9M | $149.7M | $151.7M | $152.9M | $154.3M | $158.5M | $160.5M | $159.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$6.13B | −$6.01B | −$140.3M | −$26.2M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $6.13B | $6.01B | $140.3M | $26.2M |
| Total current assets | $291.5M | $136.2M | $293.4M | $280.4M | $427.7M | $279.9M | $179.2M | $440.1M | $440.6M | $455.1M | $463.4M | $445.0M |
| Property, plant & equipment (net) | $13.6M | $13.5M | $13.4M | $13.4M | $13.2M | $12.8M | $12.9M | $13.0M | $13.1M | $13.2M | $13.3M | $13.3M |
| Goodwill & intangible assets | $1.9M | $1.9M | $1.9M | $1.9M | $1.9M | $1.9M | $2.0M | $2.0M | $1.9M | $1.9M | $1.9M | $2.0M |
| Long-term investments | $247.6M | $247.9M | $254.7M | $253.2M | $252.3M | $259.0M | $261.7M | $271.3M | $272.0M | $281.0M | $287.6M | $269.4M |
| Other non-current assets | $997.5M | $1.12B | $962.4M | $976.6M | $812.6M | $969.2M | $1.05B | $766.2M | $767.4M | $736.4M | $694.7M | $693.3M |
| Total assets | $1.55B | $1.52B | $1.53B | $1.53B | $1.51B | $1.52B | $1.50B | $1.49B | $1.50B | $1.49B | $1.46B | $1.42B |
| Liabilities | ||||||||||||
| Accounts payable | $2.9M | $2.7M | $3.5M | $2.9M | $3.8M | $3.7M | $4.8M | $3.4M | $3.8M | $3.9M | $4.4M | $3.7M |
| Short-term debt | $253.6M | — | $136.1M | — | — | — | $125.1M | — | — | — | $109.1M | — |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | −$4.4M | — |
| Total current liabilities | $1.15B | $1.11B | $1.12B | $1.12B | $1.10B | $1.11B | $1.10B | $1.09B | $1.10B | $1.07B | $1.05B | $1.06B |
| Long-term debt | $244.0M | $256.0M | $252.0M | $254.0M | $267.0M | $274.0M | $265.0M | $252.0M | $252.0M | $273.0M | $271.0M | $238.0M |
| Other long-term liabilities | $1.16B | $9.3M | $9.7M | $10.4M | $8.2M | $8.5M | $8.2M | $8.0M | $8.1M | $8.8M | $9.6M | $8.7M |
| Total liabilities | $1.40B | $1.37B | $1.38B | $1.39B | $1.38B | $1.39B | $1.37B | $1.35B | $1.36B | $1.36B | $1.33B | $1.30B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $105,048 | $105,013 | $105,013 | $104,263 | $103,891 | $104,903 | $108,150 | $109,488 | $110,188 | $111,159 | $112,085 | $113,000 |
| Retained earnings (deficit) | $99.4M | $98.6M | $97.3M | $95.4M | $93.2M | $92.1M | $91.6M | $90.5M | $89.5M | $88.8M | $87.9M | $88.0M |
| Accumulated other comprehensive income | −$34.7M | −$37.0M | −$34.6M | −$38.1M | −$43.4M | −$44.5M | −$45.8M | −$39.0M | −$47.2M | −$45.9M | −$43.0M | −$59.7M |
| Total shareholders' equity | $148.3M | $144.9M | $145.8M | $140.0M | $132.3M | $130.9M | $132.9M | $140.0M | $131.1M | $132.4M | $134.9M | $118.6M |
| Key figures | ||||||||||||
| Total debt | $244.0M | $256.0M | $252.0M | $254.0M | $267.0M | $274.0M | $265.0M | $252.0M | $252.0M | $273.0M | $271.0M | $238.0M |
| Net cash (debt) | $41.2M | −$126.0M | $35.1M | −$123.1M | $9.9M | −$143.8M | −$237.5M | $35.1M | $34.4M | $23.6M | $31.9M | $47.1M |
| Working capital | −$858.9M | −$972.8M | −$824.9M | −$840.8M | −$672.5M | −$829.5M | −$919.6M | −$652.5M | −$663.3M | −$618.4M | −$582.1M | −$612.6M |
| Tangible book value | $146.4M | $143.0M | $143.9M | $138.1M | $130.4M | $129.0M | $130.9M | $138.1M | $129.2M | $130.4M | $132.9M | $116.7M |
| Book value per share | $14.96 | $14.70 | $14.82 | $14.08 | $13.28 | $12.98 | $12.96 | $13.71 | $12.88 | $12.94 | $13.14 | $11.43 |
| Shares outstanding | 9.9M | 9.9M | 9.8M | 9.9M | 10.0M | 10.1M | 10.3M | 10.2M | 10.2M | 10.2M | 10.3M | 10.4M |
| Current ratio | 0.25 | 0.12 | 0.26 | 0.25 | 0.39 | 0.25 | 0.16 | 0.40 | 0.40 | 0.42 | 0.44 | 0.42 |
| Quick ratio | 0.25 | 0.12 | 0.26 | 0.25 | 0.39 | 0.25 | 0.16 | 0.40 | 0.40 | 0.42 | 0.44 | 0.42 |
| Debt / equity | 1.65 | 1.77 | 1.73 | 1.81 | 2.02 | 2.09 | 1.99 | 1.80 | 1.92 | 2.06 | 2.01 | 2.01 |
| Equity / assets | 9.6% | 9.5% | 9.6% | 9.2% | 8.8% | 8.6% | 8.8% | 9.4% | 8.8% | 8.9% | 9.2% | 8.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 23, 2026); data from EODHD.
RMBI financial position
At the end of fiscal 2025 (December 31, 2025), Richmond Mutual Bancorporation had total assets of $1.5 billion (up 1.4% from a year earlier), total liabilities of $1.4 billion and shareholders' equity of $145.8 million. It held $287.1 million in cash and short-term investments against $252.0 million of debt, a net cash position of $35.1 million. Its current ratio was 0.26. In the latest quarter (ended June 30, 2026) total assets were $1.6 billion and equity $148.3 million.
Related: RMBI income statement, RMBI cash flow statement, RMBI key metrics. See the RMBI stock overview for the latest quote and news.
RMBI balance sheet FAQ
What are Richmond Mutual Bancorporation's total assets?
Richmond Mutual Bancorporation reported total assets of $1.5 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.5 billion a year earlier.
How much debt does Richmond Mutual Bancorporation have?
Richmond Mutual Bancorporation had $252.0 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 1.73.
How much cash does Richmond Mutual Bancorporation have?
Richmond Mutual Bancorporation held $287.1 million in cash and short-term investments at the end of fiscal 2025; with $252.0 million of debt that is net cash of $35.1 million.
What is Richmond Mutual Bancorporation's book value?
Richmond Mutual Bancorporation's shareholders' equity (book value) was $145.8 million at the end of fiscal 2025, or $14.82 per share.
What is Richmond Mutual Bancorporation's current ratio?
Richmond Mutual Bancorporation had current assets of $293.4 million and current liabilities of $1.1 billion, a current ratio of 0.26 (current liabilities exceed current assets).
How much goodwill does Richmond Mutual Bancorporation have?
Richmond Mutual Bancorporation carried $1.9 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.