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Red River Bancshares
Red River Bancshares (RRBI) investor relations material
Red River Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved record-high net income of $11.4 million for Q4 2025, up 5.7% sequentially, and $42.8 million for the full year, a 24.9% increase year-over-year.
EPS was $1.73 for Q4 and $6.38 for the year, with annual return on assets at 1.33% and return on equity at 12.58%.
Strong loan and deposit growth, improved net interest margin, and increased capital return to shareholders through dividends and stock repurchases.
Financial highlights
Net interest income for Q4 was $28.2 million, up $1.4 million (5.0%) from Q3; net interest margin FTE rose to 3.51%.
Noninterest income for Q4 was $4.9 million, down 1.5% sequentially, with $127,000 in nonrecurring partnership income and $89,000 in nonrecurring loan fees.
Operating expenses increased 2.0% sequentially to $18.3 million, mainly due to higher personnel and technology costs.
Loans HFI grew 3.5% sequentially to $2.25 billion; deposits rose 4.4% to $2.96 billion.
Asset quality remained strong with NPAs at 0.11% of assets and net charge-offs at 0.01% of average loans.
Outlook and guidance
Expectation for slight increases in net interest income and margin in Q1 2026, with opportunities to reprice maturing loans and deposits at favorable rates.
Anticipate continued organic expansion, including new facilities in Shreveport and Acadiana markets.
Projected FOMC rate cuts in 2026 may lower deposit costs and impact short-term asset yields.
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Next Red River Bancshares earnings date
Q1 202629 Apr, 2026
Red River Bancshares
Next Red River Bancshares earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Red River Bancshares, Inc. is a bank holding company that provides a range of financial services through its subsidiary, Red River Bank. The company offers personal and commercial banking services, including checking and savings accounts, loans, mortgages, and treasury management services. Red River Bank also provides online and mobile banking, wealth management, and investment services. The company primarily serves individuals, businesses, and professionals across various sectors, including real estate, healthcare, and agriculture. The company is headquartered in Alexandria, Louisiana, and its shares are listed on the NASDAQ.
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