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Richmond Mutual Bancorporation, Inc. RMBI Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

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$5.09M-13.3%
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$6.93M-2.6%

Other financials

Income statement

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Revenue$12.7M+11.6%
Net income$2.8M+41.5%
EPS (diluted)$0.28+40.0%

Balance sheet

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Cash & equivalents$34.8M+28.7%
Total debt$643.0K+59.2%
Total equity$144.9M+10.7%
Total assets$1.5B-0.2%

Cash flow

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Operating cash flow$2.8M+27.7%
CapEx$324.6K+327%
Free cash flow$2.5M+16.9%

Valuation

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Market cap$243.08M+72.1%
P/E19.6×+4.8×
P/S4.8×+1.7×

Profitability

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Net margin24.7%+4.2pp
FCF margin29.8%-2.9pp

Returns & leverage

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Return on equity9%+2.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Richmond Mutual Bancorporation, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Richmond Mutual Bancorporation, Inc.’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Richmond Mutual Bancorporation, Inc.'s reserve for ESOP debt retirement?
Richmond Mutual Bancorporation, Inc. (RMBI) reported reserve for ESOP debt retirement of $9.8M in Q1 2026.
How has Richmond Mutual Bancorporation, Inc.'s reserve for ESOP debt retirement changed year-over-year?
Richmond Mutual Bancorporation, Inc.'s reserve for ESOP debt retirement decreased by 7.0% year-over-year, from $10.54M to $9.8M.
What is the long-term trend for Richmond Mutual Bancorporation, Inc.'s reserve for ESOP debt retirement?
Over 5 years (2020 to 2025), Richmond Mutual Bancorporation, Inc.'s reserve for ESOP debt retirement has grown at a -6.1% compound annual growth rate (CAGR), from $13.66M to $9.99M.
What does reserve for ESOP debt retirement mean?
This represents a contra-equity account or reserve established to account for debt obligations incurred by an Employee Stock Ownership Plan (ESOP) that are guaranteed by the company. It reflects the financial commitment the company has made to fund employee stock ownership and the associated debt service requirements. Monitoring this helps investors understand the impact of employee benefit structures on the company's total equity and future cash flow obligations.