Form 8-K

8-K — Richmond Mutual Bancorporation, Inc.

Accession: 0001628280-26-030726

Filed: 2026-05-05

Period: 2026-05-05

CIK: 0001767837

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — rmbi-20260505.htm (Primary)

EX-99.1 (a20260505remindertoshareho.htm)

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

________________________________________________

FORM 8-K

________________________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 5, 2026

Richmond Mutual Bancorporation, Inc.

(Exact name of registrant as specified in its charter)

Maryland 001-38956 36-4926041

(State or other jurisdiction of incorporation) (Commission File No.) (IRS Employer Identification No.)

31 North 9th Street, Richmond, Indiana

47374

(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (765) 962-2581

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☒ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☒ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share RMBI The NASDAQ Stock Market LLC

Indicated by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

Item 8.01 Other Events

On May 5, 2026, The Farmers Bancorp, Frankfort, Indiana (“Farmers”) made available the communication attached as Exhibit 99.1 regarding the pending merger transaction with Richmond Mutual Bancorporation, Inc. (“RMBI”). A copy of the communication is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Note Regarding Forward-Looking Statements

This report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements relating to the expected timing and benefits of the proposed merger between RMBI and Farmers, future financial and operating results, business strategy, and other statements that are not historical facts. Words such as “anticipates,” “believes,” “estimates,” “expects,” “intends,” “plans,” “projects,” “may,” “should,” “will,” and similar expressions are intended to identify these forward-looking statements.

Actual results could differ materially due to risks, uncertainties, and other factors, including, among others:

•Events, changes, or circumstances that could give rise to the right of either party to terminate the merger agreement;

•The possibility that the merger may not be completed on the anticipated terms, within the expected timeframe, or at all;

•Failure to obtain required regulatory approvals;

•Challenges in meeting expectations regarding the timing, completion, accounting, and tax treatment of the merger;

•The potential that anticipated cost savings, synergies, or revenue enhancements may not be realized or may take longer to achieve;

•Higher-than-expected transaction costs or unexpected events;

•Dilution from the issuance of additional RMBI shares in connection with the merger;

•Potential litigation or other legal proceedings related to the merger;

•Restrictions during pendency of the transaction that may limit business opportunities or strategic initiatives;

•The ability to successfully integrate operations, systems, personnel, and technologies post-merger;

•Disruption to customer, employee, or vendor relationships, including key community relationships;

•Diversion of management’s attention from ongoing operations and strategic initiatives;

•Lower-than-expected revenues or profitability following the merger;

•Changes in credit, capital markets, or economic, political, or regulatory conditions;

•Competition from banks and other financial service providers; and

•Other factors detailed in RMBI’s filings with the Securities and Exchange Commission.

Forward-looking statements speak only as of the date of this report. Neither RMBI nor Farmers undertakes any obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law.

Additional Information About the Merger and Where to Find It

This report does not constitute an offer to sell or the solicitation of an offer to buy or exchange any securities or a solicitation of any vote or approval with respect to the proposed transaction.

In connection with the proposed merger, RMBI filed a Registration Statement on Form S-4 with the SEC, which included a joint proxy statement/prospectus and was declared effective on April 3, 2026. Shareholders of Farmers are urged to read the joint proxy statement/prospectus and any other relevant documents filed with the SEC carefully and in their entirety because they contain important information about the proposed merger. These documents, which were filed with the SEC by RMBI, are available free of charge at www.sec.gov or upon written request to The Farmers Bancorp at 9 East Clinton Street, Frankfort, Indiana 46041; Attention: Chad L. Kozuch, EVP/CFO.

Participants in the Solicitation

The directors, executive officers and certain other members of management and employees of Farmers may also be deemed to be participants in the solicitation of proxies in connection with the proposed transaction from the shareholders of Farmers. Information about Farmers’ participants and additional information regarding the interests of these participants is included in the joint proxy statement/prospectus regarding the proposed transaction.

Additional information regarding the interests of those participants and other persons who may be deemed participants in the transaction may be obtained by reading the joint proxy statement/prospectus regarding the proposed transaction. Free copies of this document may be obtained as described above.

ITEM 9.01. Financial Statements and Other Exhibits

(d) Exhibits

99.1

Reminder Letter to Farmers Shareholders dated May 5, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

RICHMOND MUTUAL BANCORPORATION, INC.

Date: May 5, 2026 By: /s/Bradley M. Glover

Bradley M. Glover

Senior Vice President and CFO

EX-99.1

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Document

EXHIBIT 99.1

A REMINDER TO OUR SHAREHOLDERS

May 5, 2026

The Special Meeting of Shareholders of The Farmers Bancorp is to be held on May 26, 2026. The notice and proxy materials relating to this meeting were previously mailed to you on about April 17, 2026.

As of the date of this letter, your proxy for this important meeting has not yet been received. Regardless of the number of shares you may own, it is important that these shares be represented. We understand that delays at the United States Postal Service may have caused a delay in receiving materials. If you would like a physical copy of the proxy materials, please reach out to Chad L. Kozuch, EVP/CFO at (765) 654-2619, ext. 3302 or in writing at The Farmers Bancorp at 9 East Clinton Street, Frankfort, Indiana 46041, Attn: Chad L. Kozuch, EVP/CFO. You can also retrieve an electronic copy of the proxy materials at www.sec.gov.

Since the time remaining is short, we urge you to sign, date and mail the enclosed proxy card as soon as possible. A postage-paid return envelope is enclosed for your convenience. You can also vote your shares by phone or internet by following the instructions on the enclosed proxy card. Voting by phone or internet will help to reduce expenses incurred by the company and is the quickest and easiest way to vote.

Should you have any questions regarding the proxy materials or would like to vote over the phone, please contact our proxy solicitor, Georgeson Inc., toll free at (866) 766-8644.

Thank you, in advance, for your time and cooperation.

Sincerely,

This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval. In connection with the proposed merger, Richmond Mutual Bancorporation, Inc. filed a Registration Statement on Form S-4 with the SEC, which included a joint proxy statement/prospectus and was declared effective on April 3, 2026. Shareholders of The Farmers Bancorp are urged to read the joint proxy statement/

prospectus carefully and in its entirety because it contains important information about the proposed merger. The joint proxy statement/prospectus is available free of charge at www.sec.gov or upon written request to The Farmers Bancorp at 9 East Clinton Street, Frankfort, Indiana 46041, Attn: Chad L. Kozuch, EVP/CFO.

IF YOU HAVE ALREADY MAILED YOUR PROXY CARD, THANK YOU AND PLEASE DISREGARD THIS LETTER.

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