Alexandria, LA · Cert 34980 · Red River Bancshares Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
80
Asset Quality
76
Profitability
59
Liquidity
62
Efficiency
69
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.
Alexandria, LA · Cert 34980 · Red River Bancshares Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
Market Position · Alexandria, LA · 2026 SOD (annual) · 44.0% share · #1 of 15 inst. · $1.5B of $3.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.13% | 1.35% | 1.34% | 1.35% | 1.36% | 1.47% | 1.46% | +12 bps | |
| Return on Equity | 11.29% | 11.53% | 13.37% | 13.17% | 13.09% | 13.14% | 13.63% | 13.35% | +18 bps | |
| Net Interest Margin | 2.80% | 2.80% | 3.05% | 3.14% | 3.17% | 3.17% | 3.34% | 3.43% | +29 bps | |
| Efficiency Ratio | 61.23% | 60.63% | 55.49% | 56.11% | 56.33% | 56.13% | 52.87% | 53.66% | -245 bps | |
| Non-Interest Burden | 1.41% | 1.40% | 1.36% | 1.44% | 1.47% | 1.47% | 1.45% | 1.52% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.16% | 0.66% | 3.67% | 3.91% | 3.62% | 6.38% | 5.02% | 4.52% | +61 bps | |
| Loan Growth (YoY) | 5.48% | 4.18% | 3.78% | 4.46% | 5.76% | 8.39% | 6.69% | 5.75% | +129 bps | |
| Deposit Growth (YoY) | -0.56% | 0.15% | 2.92% | 3.47% | 3.43% | 5.69% | 4.28% | 3.39% | -7 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.16% | 0.24% | 0.05% | 0.11% | 0.16% | 0.18% | 0.11% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.07% | 0.04% | 0.03% | 0.03% | 0.02% | 0.01% | -3 bps | |
| Allowance / Loans | 1.06% | 1.05% | 1.03% | 1.04% | 1.05% | 1.04% | 1.06% | 1.09% | +6 bps | |
| Allowance Coverage of NPLs | 7.1x | 6.7x | 4.3x | 19.9x | 9.3x | 6.7x | 5.9x | 10.2x | -9.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 11.64% | 11.76% | 11.92% | 11.91% | 11.94% | 12.00% | 12.49% | +57 bps | |
| Total Risk-Based Capital | 17.80% | 17.81% | 17.89% | 17.96% | 17.81% | 17.66% | 18.12% | 18.37% | +41 bps | |
| Equity / Assets | 10.26% | 9.93% | 10.21% | 10.32% | 10.66% | 10.63% | 10.88% | 11.33% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.77% | 73.89% | 74.72% | 76.06% | 76.45% | 75.78% | 76.44% | 77.79% | +173 bps | |
| Liquid Assets / Assets | 10.55% | 11.76% | 10.84% | 9.32% | 7.85% | 9.26% | 8.80% | 8.47% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 278% | 274% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.93% | 1.23% | 1.54% | Beats 72% | 73 / 258 | ||
| Return on Equity | 12.99% | 9.26% | 11.84% | 14.74% | Beats 60% | 102 / 258 | ||
| Net Interest Margin | 3.43% | 3.16% | 3.49% | 3.88% | Beats 46% | 140 / 258 | ||
| Efficiency Ratio | 53.66% | 51.71% | 60.30% | 69.65% | Beats 69% | 80 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.19% | 0.46% | 0.90% | Beats 86% | 36 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 65% | 92 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.32% | 11.41% | 12.98% | 15.12% | Beats 87% | 34 / 258 | ||
| Total Risk-Based Capital Ratio | 18.37% | 12.10% | 13.91% | 16.08% | Beats 86% | 37 / 258 | ||
| Equity / Assets | 11.33% | 9.09% | 10.24% | 11.72% | Beats 67% | 86 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.79% | 73.24% | 86.34% | 95.95% | 33rd pctl | 173 / 258 | ||
| Loans / Assets | 68.47% | 63.01% | 72.27% | 78.40% | 36th pctl | 166 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||