Richmond Mutual Bancorporation is a community banking holding company that operates First Bank Richmond, a state-chartered commercial bank serving customers in Indiana and Ohio through a network of banking offices. The company attracts deposits from retail and institutional customers and deploys those funds into diversified loan portfolios encompassing residential and commercial real estate, commercial and industrial, consumer, and equipment financing, while investing excess funds in securities and generating additional income from deposit service charges, card fees, and loan servicing. Net interest income—the spread between interest earned on loans and investments and interest paid on deposits—forms the primary source of earnings, supplemented by fees and other non-interest income.