Gainesville, TX · Cert 15511 · Red River Bcorp Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #84 of 166 inst. · $0.4B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.98% | 1.29% | 1.18% | 0.73% | 0.80% | -118 bps | |
| Return on Equity | 30.07% | 18.53% | 16.25% | 8.70% | 9.52% | -2,054 bps | |
| Net Interest Margin | 2.94% | 3.07% | 3.19% | 3.56% | 3.60% | +65 bps | |
| Efficiency Ratio | 53.82% | 57.98% | 62.37% | 76.37% | 76.09% | +2,226 bps | |
| Non-Interest Burden | 0.23% | 0.82% | 1.27% | 2.51% | 2.51% | +228 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.57% | 5.33% | 3.32% | 2.62% | 2.18% | -139 bps | |
| Loan Growth (YoY) | 7.21% | 11.18% | 7.14% | 3.94% | 0.70% | -650 bps | |
| Deposit Growth (YoY) | 7.30% | 6.57% | -1.31% | -1.27% | 1.16% | -614 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.58% | 0.52% | 0.89% | 0.12% | 0.94% | -64 bps | |
| Net Charge-Offs / Loans | 1.51% | 0.97% | 0.72% | 0.63% | 0.41% | -111 bps | |
| Allowance / Loans | 1.42% | 1.37% | 1.36% | 1.34% | 1.36% | -6 bps | |
| Allowance Coverage of NPLs | 0.9x | 2.6x | 1.5x | 10.8x | 1.4x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.56% | 9.40% | 9.38% | 9.65% | 9.61% | +4 bps | |
| Total Risk-Based Capital | 14.83% | 14.48% | 14.43% | 14.99% | 15.18% | +34 bps | |
| Equity / Assets | 7.34% | 7.96% | 8.41% | 8.34% | 8.35% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.81% | 59.69% | 61.18% | 59.38% | 57.55% | -26 bps | |
| Liquid Assets / Assets | 2.83% | 2.11% | 0.96% | 2.73% | 4.71% | +188 bps | |
| CRE / Total Capital | n/a | 297% | 315% | 315% | n/a | n/a | |