Organizational culture brings commitment between leaders and members in work activities that have long been applied in organization. The Islamic Rural Bank (BPRS) XYZ is bank that operates based on Islamic sharia principles with Non Performing Financing (NPF) as one of its performance indicators. A performance gap from the increase in NPF since 2016 indicates a change in performance of activity patterns within organization. This study aims to identify the current and future organizational culture in risk mitigation. The research was conducted by collecting OCAI questionnaires and mitigating financing risk with 1S + 5C method, data processing and decision analysis Multi-Objective Optimization based on Ratio (MOORA). The OCAI results showed that the current organizational culture is hierarchy culture (28%), and the expected organizational culture in the future is clan (27%). However, considering risk mitigation which is processed using MOORA analysis and current organizational culture data, the recommended organizational culture in future is hierarchy culture, while the MOORA decision uses risk mitigation criteria and expected organizational culture is market culture. This research suggests that BPRS XYZ can implement market culture.  Risk mitigation is carried out based on market organizational culture, and Account Officers identify 1S+5C with a focus on goals, oriented to results, and winning market competition.