Red River Bancshares Inc
redriverbank.netRed River Bancshares, Inc. (NASDAQ: RRBI) is a Louisiana bank holding company that provides commercial, retail, and private banking products and services through its wholly owned subsidiary, Red River Bank. The company earns revenue primarily through net interest income on loans and deposits, supplemented by noninterest income from banking fees and services. Founded in 1998 and headquartered in Alexandria, Louisiana, Red River Bancshares operates a network of banking centers concentrated in key metropolitan markets across Louisiana, competing against national and regional banks that have shifted toward digital-only platforms. As of December 31, 2025, the loan portfolio included commercial real estate, commercial and industrial loans (17.5% of loans held for investment), tax-exempt loans to Louisiana political subdivisions (2.6% of loans HFI), consumer loans, and energy loans ($27.7 million, or 1.2% of loans HFI). The bank has grown through de novo development and two whole-bank acquisitions, targeting commercial operating companies and individuals underserved by larger institutions.
Products & Services
Commercial and industrial loans, commercial real estate loans, tax-exempt loans to Louisiana political subdivisions, consumer loans, energy loans, retail banking deposits, and private banking services.
Revenue Model
Net interest income from loans and deposits is the primary revenue driver. Secondary revenue comes from noninterest income sources including fees related to banking services. Provision for credit losses was $2.3 million for the year ended December 31, 2025, up from $1.2 million for the year ended December 31, 2024.
Customers & Markets
Commercial operating companies, individual retail borrowers, and political subdivisions of Louisiana including parishes, municipalities, utility districts, school districts, and development authorities. The bank targets customers in key Louisiana metropolitan markets it considers underserved by national and regional competitors.
Geographic Exposure
Operations concentrated entirely in Louisiana, with banking centers in diverse metropolitan markets across the state. The company acknowledges meaningful exposure to Louisiana-specific risks including oil and gas industry volatility and natural disasters such as hurricanes and floods.
Financial Snapshot
Loading...
