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Red River Bank

Alexandria, LA · Cert 34980 · Red River Bancshares Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

69

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Red River Bank

Alexandria, LA · Cert 34980 · Red River Bancshares Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

$3.3BAssets
$2.3BLoans
$2.9BDeposits
$375.0MEquity
Loan mix
82%RE $1.8B16%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $2.0B32%Noninterest $0.9BQ2 2025Q2 2026

NIM

4.27%Q2 ’244.51%Q2 ’254.69%Q2 ’26+14%+9%

Non-interest income vs. expense

2.16%Q2 ’242.16%Q2 ’252.21%Q2 ’26+3%+5%

Market Position · Alexandria, LA · 2026 SOD (annual) · 44.0% share · #1 of 15 inst. · $1.5B of $3.4B

46.0% Rapides
2.8% East Baton Rouge
6.3% Caddo
11.7% Avoyelles

Executive Summary

  • Earnings: ROA of 1.46%, up 12 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.11% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.49%, up 57 bps from a year ago.
  • Funding: loans stand at 77.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+29 bps YoY

Efficiency Ratio (YTD, annualized)

53.66%-245 bps YoY

Tier 1 Leverage Ratio

12.49%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.35%1.36%1.47%1.46%+12 bps
Return on Equity13.17%13.09%13.14%13.63%13.35%+18 bps
Net Interest Margin3.14%3.17%3.17%3.34%3.43%+29 bps
Efficiency Ratio56.11%56.33%56.13%52.87%53.66%-245 bps
Non-Interest Burden1.44%1.47%1.47%1.45%1.52%+8 bps
Growth
Asset Growth (YoY)3.91%3.62%6.38%5.02%4.52%+61 bps
Loan Growth (YoY)4.46%5.76%8.39%6.69%5.75%+129 bps
Deposit Growth (YoY)3.47%3.43%5.69%4.28%3.39%-7 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.11%0.16%0.18%0.11%+5 bps
Net Charge-Offs / Loans0.04%0.03%0.03%0.02%0.01%-3 bps
Allowance / Loans1.04%1.05%1.04%1.06%1.09%+6 bps
Allowance Coverage of NPLs19.9x9.3x6.7x5.9x10.2x-9.7x
Capital
Tier 1 Leverage Ratio11.92%11.91%11.94%12.00%12.49%+57 bps
Total Risk-Based Capital17.96%17.81%17.66%18.12%18.37%+41 bps
Equity / Assets10.32%10.66%10.63%10.88%11.33%+100 bps
Liquidity & Funding
Loans / Deposits76.06%76.45%75.78%76.44%77.79%+173 bps
Liquid Assets / Assets9.32%7.85%9.26%8.80%8.47%-85 bps
CRE / Total Capitaln/a274%278%274%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Red River Bank

Alexandria, LA · Cert 34980 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Red River Bancshares Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

$3.3BAssets
$2.3BLoans
$2.9BDeposits
$375.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 34 of 258).
  • Widest gap: net interest margin trails 54% of banks $1B-$10B in assets operating in a single state (rank 140 of 258).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.47%

Rank 73 of 258

Net Interest Margin

3.43%

Rank 140 of 258

Efficiency Ratio

53.66%

Rank 80 of 257

Equity / Assets

11.33%

Rank 86 of 258

Non-interest income vs. expense

$23.1M$74.0MINCOMEEXPENSE
Unfavorable gap of $50.9M · efficiency ratio beats 69% of banks $1B-$10B in assets operating in a single state
Bank 53.66%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.93%1.23%1.54%Beats 72%73 / 258
Return on Equity12.99%9.26%11.84%14.74%Beats 60%102 / 258
Net Interest Margin3.43%3.16%3.49%3.88%Beats 46%140 / 258
Efficiency Ratio53.66%51.71%60.30%69.65%Beats 69%80 / 257
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.46%0.90%Beats 86%36 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 65%92 / 258
Capital
Tier 1 Capital Ratio17.32%11.41%12.98%15.12%Beats 87%34 / 258
Total Risk-Based Capital Ratio18.37%12.10%13.91%16.08%Beats 86%37 / 258
Equity / Assets11.33%9.09%10.24%11.72%Beats 67%86 / 258
Liquidity & Funding
Loans / Deposits77.79%73.24%86.34%95.95%33rd pctl173 / 258
Loans / Assets68.47%63.01%72.27%78.40%36th pctl166 / 258
Brokered Deposits / Depositsn/aNot reported for this institution