Financial insights of RRBI

MyFinsight

For the quarter ending 2025-09-30, RRBI made $72,401K in revenue. $10,801K in net income. Net profit margin of 14.92%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	30,612	29,500
Interest on securities	5,425	5,148
Interest on deposits in other banks	2,079	2,063
Dividends on stock	33	19
Total interest and dividend income	38,149	36,730
Interest on deposits	11,263	10,911
Total interest expense	11,263	10,911
Net interest income	26,886	25,819
Provision for credit losses	650	450
Net interest income after provision for credit losses	26,236	25,369
Service charges on deposit accounts	1,442	1,337
Debit card income, net	852	1,081
Mortgage loan income	652	567
Brokerage income	1,131	989
Loan and deposit income	393	418
Bank-owned life insurance income	224	224
Gain (loss) on equity securities	28	9
Sbic income (loss)	-75	47
Other income (loss)	378	46
Total noninterest income	5,025	4,718
Personnel expenses	10,511	10,216
Occupancy and equipment expenses	1,846	1,753
Technology expenses	831	821
Advertising	293	286
Other business development expenses	531	455
Data processing expense	724	721
Other taxes	604	609
Loan and deposit expenses	356	398
Legal and professional expenses	605	612
Regulatory assessment expenses	430	388
Other operating expenses	1,158	1,108
Total operating expenses	17,889	17,367
Income before income tax expense	13,372	12,720
Income tax expense	2,571	2,524
Net income	10,801	10,196

Basic (in dollars per share)	1.63	1.51
Diluted (in dollars per share)	1.63	1.51
Weighted average shares outstanding - basic (in shares)	6,616,826	6,740,312
Weighted average shares outstanding - diluted (in shares)	6,640,839	6,764,886