Red River Bancshares, Inc.

Red River Bancshares, Inc. (RRBI) reported record-high financial performance for fiscal year 2025, with net income of $42.8 million, representing a 24.9% increase from $34.2 million in 2024. Diluted earnings per share rose to $6.38 from $4.95. Key drivers included an 18.2% increase in net interest income to $105.6 million, driven by higher loan and securities yields, lower deposit costs, and improved earning asset mix, resulting in a net interest margin FTE of 3.38% (up 42 basis points). Total assets grew 6.4% to $3.35 billion, supported by a 5.6% increase in deposits to $2.96 billion. Loans held for investment increased 8.4% to $2.25 billion. The company maintained strong credit quality with nonperforming assets at 0.11% of assets and an allowance for credit losses covering 1.04% of loans. Strategic initiatives included increasing cash dividends by 50% to $0.54 per share, repurchasing 211,748 shares (3.12% of outstanding shares), and expanding digital banking services. The return on assets improved to 1.33% from 1.11%, and return on equity increased to 12.58% from 11.02%.

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