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RMBI • CIK 0001767837
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $58,793.495 | $71,596.35 | $77,383.468 | $78,327.945 |
| Interest and Dividend Income, Securities, Operating | $8,054.095 | $8,103.183 | $7,705.994 | $7,575.93 |
| Interest Income, Other | $562.323 | $826.661 | $818.092 | $850.507 |
| Interest Income (Expense), Net | $37,662.391 | $38,707.161 | $43,846.338 | $46,349.166 |
| Interest and Dividend Income, Operating | $67,409.913 | $80,526.194 | $85,907.554 | $86,754.382 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $531.974 | $550.265 | $2,152.969 | $2,193.425 |
| Interest Income (Expense), after Provision for Loan Loss | $37,130.417 | $38,156.896 | $41,693.369 | $44,155.741 |
| Income (Loss) from Continuing Operations before Income Taxes, Domestic | $11,002.717 | $10,863.696 | $13,653.028 | $14,362.849 |
| Income Tax Expense (Benefit) | $1,515.881 | $1,486.348 | $2,076.261 | $2,344.295 |
| Net Income (Loss) Attributable to Parent | $9,486.836 | $9,377.348 | $11,576.767 | $12,018.554 |
| Interest Expense, Deposits | $22,809.866 | $31,750.966 | $31,248.368 | $30,103.409 |
| Interest Expense, Borrowings | $6,937.656 | $10,068.067 | $10,812.848 | $10,301.807 |
| InterestExpenseOperating | — | $41,819.033 | $42,061.216 | $40,405.216 |
| Interest and Fee Income, Loans, Consumer Installment, Credit Card | $1,258.718 | $1,236.692 | $1,316.702 | $1,337.983 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | $-50.698 | $-156.04 | $0.819 |
| Gain (Loss) on Sales of Loans, Net | $517.883 | $554.546 | $409.369 | $567.317 |
| Noninterest Income, Other | $1,271.072 | $1,315.614 | $1,545.856 | $1,858.621 |
| Noninterest Income | $4,610.779 | $4,758.152 | $5,062.406 | $5,698.125 |
| Labor and Related Expense | $17,438.599 | $18,348.049 | $18,543.844 | $18,354.47 |
| Occupancy, Net | $1,333.625 | $1,354.982 | $1,455.56 | $1,562.225 |
| Equipment Expense | $1,127.77 | $926.548 | $1,000.925 | $977.4 |
| Information Technology and Data Processing | $3,348.543 | $3,615.221 | $3,789.236 | $4,254.734 |
| Federal Deposit Insurance Corporation Premium Expense | $1,163.06 | $1,530.5 | $1,194 | $1,086 |
| Supplies Expense | $163.339 | $170.282 | $181.829 | $186.08 |
| Professional Fees | $1,598.453 | $1,822.092 | $1,839.738 | $1,673.703 |
| Advertising Expense | $385.471 | $377.787 | $432.761 | $443.028 |
| Other Noninterest Expense | $3,916.699 | $3,652.828 | $4,489.017 | $4,881.529 |
| Noninterest Expense | $30,738.479 | $32,051.352 | $33,102.747 | $35,491.017 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $9,487 | $9,377 | $11,577 | $12,019 |
| Weighted Average Number of Shares Outstanding, Diluted | 10,450,611 | 10,228,712 | 9,901,266 | 9,824,585 |
| Weighted Average Number of Shares Outstanding, Basic | 11,487,615 | 11,028,029 | 10,502,458 | 10,440,600 |
| Weighted Average Number of Shares, Restricted Stock | 214,813 | 124,747 | 64,308 | 69,671 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $8,578.489 | $8,986.54 | $9,275.184 | $11,937.626 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $11,661.636 | $12,770.65 | $23,855.31 | $22,782.945 |
| Cash and Cash Equivalents, at Carrying Value | $20,240.125 | $21,757.19 | $33,130.494 | $34,720.571 |
| Commitments and Contingencies | $0 | $0 | $0 | $0 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $282,688.326 | $258,191.63 | $251,915.497 | $245,271.477 |
| Liabilities and Equity | $1,461,023.801 | $1,504,874.86 | $1,525,790.54 | $1,552,029.35 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss | $4,949.53 | $3,497.913 | $2,747.889 | $2,353.776 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $793.5 | $1,092.92 | $828 | $0 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $1,090,073.198 | $1,158,879.008 | $1,176,812.906 | $1,207,852.229 |
| Property, Plant and Equipment, Net | $13,311.892 | $12,922.028 | $13,396.583 | $13,563.207 |
| Federal Home Loan Bank Stock | $12,647.1 | $13,907.1 | $13,907.1 | $13,907.1 |
| Interest Receivable | $5,843.705 | $6,030 | $6,299.925 | $6,255.602 |
| Servicing Asset | $1,945.367 | $1,950.504 | $1,883.446 | $1,874.69 |
| Cash Surrender Value of Life Insurance | $3,764.929 | $3,856.494 | $3,953.634 | $4,002.851 |
| Other Assets | $24,766.129 | $22,490.073 | $18,845.066 | $19,377.847 |
| Noninterest-bearing Deposit Liabilities | $114,376.777 | $110,105.973 | $100,090.746 | $100,070.823 |
| Interest-bearing Deposit Liabilities | $926,763.134 | $983,833.884 | $1,014,802.514 | $1,046,572.571 |
| Deposits | $1,041,139.911 | $1,093,939.857 | $1,114,893.26 | $1,146,643.394 |
| Long-term Federal Home Loan Bank Advances | $271,000 | $265,000 | $240,000 | $244,000 |
| Other Borrowings | — | — | $12,000 | $0 |
| Advance Payments by Borrowers for Taxes and Insurance | $588.371 | $590.439 | $650.674 | $718.729 |
| Interest and Dividends Payable, Current | $4,396.952 | $4,831.674 | $3,456.973 | $2,940.999 |
| Other Liabilities | $9,038.991 | $7,641.13 | $9,008.533 | $9,453.651 |
| Liabilities | $1,326,164.225 | $1,372,003.1 | $1,380,009.44 | $1,403,756.773 |
| Common Stock, Value, Issued | $112.085 | $108.15 | $105.013 | $105.048 |
| Additional Paid in Capital | $101,347.566 | $97,709.231 | $92,897.26 | $93,128.49 |
| Retained Earnings, Appropriated | $87,902.747 | $91,582.986 | $97,324.605 | $99,406.275 |
| Unearned ESOP Shares | $11,457.726 | $10,722.41 | $9,987.093 | $9,619.435 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-43,045.096 | $-45,806.197 | $-34,558.685 | $-34,747.801 |
| Stockholders' Equity Attributable to Parent | $134,859.576 | $132,871.76 | $145,781.1 | $148,272.577 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $15,663.153 | $15,790.885 | $16,465.708 | $16,973.886 |
| Common Stock, Shares Authorized | 90,000,000 | 90,000,000 | 90,000,000 | 90,000,000 |
| Common Stock, Shares, Issued | 11,208,500 | 10,814,960 | 10,501,260 | 10,504,760 |
| Operating Lease, Right-of-Use Asset | $450 | $393 | $629 | $629 |
| Operating Lease, Liability | $457 | $404 | $643 | $643 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $9,486.836 | $9,377.348 | $11,576.767 | $12,018.554 |
| Net Cash Provided by (Used in) Operating Activities | $12,114.197 | $14,752.462 | $15,969.408 | $14,759.295 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $4,318.032 | $1,517.065 | $11,373.304 | $7,509.088 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $20,240.125 | $21,757.19 | $33,130.494 | $40,896.643 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $531.974 | $550.265 | $2,152.969 | $2,193.425 |
| Proceeds from (Payments for) in Interest-bearing Deposits in Banks | $490 | $-300 | $-1,770 | $-2,550 |
| Depreciation, Depletion and Amortization, Nonproduction | $975.813 | $850.244 | $891.834 | $899.141 |
| Payments to Acquire Debt Securities, Available-for-sale | $11,242.38 | $7,501.45 | $5,702.862 | $2,327.631 |
| Deferred Income Tax Expense (Benefit) | $641.148 | $158.285 | $-114.442 | $354.734 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $20,810.919 | $20,603.526 | $18,540.188 | $16,665.27 |
| Share-based Payment Arrangement, Noncash Expense | $1,627.203 | $1,474.062 | $815.821 | $264.612 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $0 | $6,907.932 | $6,765.888 | $0.745 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-1,136.167 | $-943.315 | $-754.838 | $-748.944 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $1,718.044 | $1,449.228 | $749.419 | $579.26 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | $-50.698 | $-156.04 | $0.819 |
| Payments for (Proceeds from) Loans Receivable | $131,955.234 | $68,868.279 | $18,405.177 | $39,942.002 |
| Gain (Loss) on Sales of Loans, Net | $517.883 | $554.546 | $409.369 | $567.317 |
| Gains (Losses) on Sales of Investment Real Estate | $-4.042 | $-7.05 | $6.067 | $6.067 |
| Payments to Acquire Property, Plant, and Equipment | $619.209 | $460.38 | $1,361.889 | $1,273.211 |
| Gain (Loss) on Disposition of Property Plant Equipment | $1.8 | $6 | $4.5 | $0 |
| Proceeds from Sale of Property, Plant, and Equipment | $1.8 | $6 | $0 | $0 |
| Amortization of Deferred Loan Origination Fees, Net | $945.579 | $767.469 | $884.026 | $864.021 |
| Payments to Acquire Federal Home Loan Bank Stock | $2,699.8 | $1,260 | $0 | $0 |
| Amortization of Mortgage Servicing Rights (MSRs) | $213.891 | $192.807 | $208.603 | $241.461 |
| Net Cash Provided by (Used in) Investing Activities | $-122,531.989 | $-49,298.314 | $-1,140.931 | $-28,760.565 |
| Employee Stock Ownership Plan (ESOP), Compensation Expense | $611.545 | $660.972 | $738.051 | $764.798 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $90.43 | $91.565 | $97.14 | $98.559 |
| Payments for Origination and Purchases of Loans Held-for-sale | $19,829.819 | $26,266.889 | $20,708.456 | $28,101.496 |
| Proceeds from Sale of Loans Held-for-sale | $20,149.619 | $26,566.309 | $20,443.536 | $27,261.201 |
| Proceeds from Other Debt | — | — | $12,000 | $12,000 |
| Proceeds from FHLBank Borrowings, Financing Activities | $541,500 | $288,500 | $284,000 | $263,000 |
| Payments of FHLBank Borrowings, Financing Activities | $450,500 | $294,500 | $309,000 | $286,000 |
| Payments for Repurchase of Common Stock | $6,250.519 | $5,041.976 | $5,633.659 | $0 |
| Payments of Dividends | $5,920.973 | $5,697.109 | $5,835.148 | $5,832.843 |
| Net Cash Provided by (Used in) Financing Activities | $114,735.824 | $36,062.917 | $-3,455.173 | $21,510.358 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $26,719.921 | $41,384.311 | $43,435.917 | $41,307.433 |
| IncomeTaxPaidFederalAfterRefundReceived | — | — | $1,338.381 | $1,338.381 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $0 | — | $298.061 | $298.061 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $1,133.224 | $186.295 | $269.925 | $59.447 |
| Increase (Decrease) in Other Current Assets | $1,986.401 | $-2,757.01 | $-732.172 | $1,302.652 |
| Increase (Decrease) in Other Current Liabilities | $-1,786.506 | $-1,397.861 | $1,367.403 | $1,915.02 |
| Increase (Decrease) in Interest Payable, Net | $3,027.601 | $434.722 | $-1,374.701 | $-902.217 |
| Increase (Decrease) in Demand Deposits | $-21,513.087 | $23,730.746 | $16,564.101 | $27,711.723 |
| Increase (Decrease) in Time Deposits | $57,392.228 | $29,069.2 | $4,389.302 | $22,542.655 |
| Increase (Decrease) in Advance Payments by Borrowers for Taxes and Insurance | $28.175 | $2.068 | $60.235 | $51.972 |