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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

4.31%Q2 ’244.57%Q2 ’254.70%Q2 ’26+15%+8%

Non-interest income vs. expense

2.23%Q2 ’242.21%Q2 ’252.26%Q2 ’26+4%+3%

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 1.45%, up 13 bps year over year; NIM at 3.46%.
  • 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 (quarter, annualized)

1.45%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+25 bps YoY

Efficiency Ratio (quarter, annualized)

54.42%-229 bps YoY

Tier 1 Leverage Ratio

12.49%+57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.37%1.42%1.47%1.45%+13 bps
Return on Equity12.91%13.04%13.31%13.63%13.09%+18 bps
Net Interest Margin3.21%3.31%3.39%3.34%3.46%+25 bps
Efficiency Ratio56.71%56.75%55.55%52.87%54.42%-229 bps
Non-Interest Burden1.52%1.57%1.57%1.45%1.57%+4 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 / Loans0.01%0.01%0.03%0.02%0.01%-1 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