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 | |