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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | -0.62% | 0.50% | 3.45% | -0.07% | 0.85% | 0.73% | 0.87% | -258 bps | |
| Return on Equity | 8.70% | -9.50% | 8.07% | 50.00% | -0.94% | 10.33% | 8.70% | 10.40% | -3,960 bps | |
| Net Interest Margin | 2.74% | 2.80% | 2.86% | 3.03% | 3.43% | 3.64% | 3.56% | 3.64% | +61 bps | |
| Efficiency Ratio | 83.76% | 88.71% | 83.47% | 41.05% | 68.71% | 78.18% | 76.37% | 75.82% | +3,477 bps | |
| Non-Interest Burden | 2.17% | 2.38% | 2.25% | -1.80% | 2.01% | 2.66% | 2.51% | 2.52% | +431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | 0.54% | -0.96% | 3.57% | 5.33% | 3.32% | 2.62% | 2.18% | -139 bps | |
| Loan Growth (YoY) | 5.70% | 6.80% | 5.01% | 7.21% | 11.18% | 7.14% | 3.94% | 0.70% | -650 bps | |
| Deposit Growth (YoY) | 0.71% | 6.74% | 4.15% | 7.30% | 6.57% | -1.31% | -1.27% | 1.16% | -614 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.46% | 0.78% | 1.58% | 0.52% | 0.89% | 0.12% | 0.94% | -64 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.10% | 3.13% | -0.04% | 0.01% | 0.00% | 0.63% | 0.17% | +22 bps | |
| Allowance / Loans | 1.65% | 2.06% | 1.29% | 1.42% | 1.37% | 1.36% | 1.34% | 1.36% | -6 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.5x | 1.6x | 0.9x | 2.6x | 1.5x | 10.8x | 1.4x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 8.89% | 8.81% | 9.56% | 9.40% | 9.38% | 9.65% | 9.61% | +4 bps | |
| Total Risk-Based Capital | 15.51% | 14.35% | 13.96% | 14.83% | 14.48% | 14.43% | 14.99% | 15.18% | +34 bps | |
| Equity / Assets | 7.12% | 5.96% | 6.45% | 7.34% | 7.96% | 8.41% | 8.34% | 8.35% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.21% | 56.35% | 56.41% | 57.81% | 59.69% | 61.18% | 59.38% | 57.55% | -26 bps | |
| Liquid Assets / Assets | 2.00% | 2.67% | 2.33% | 2.83% | 2.11% | 0.96% | 2.73% | 4.71% | +188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 315% | 315% | n/a | n/a | |