0001071236-26-000053
SEC filingRRBI二季度净利同比增15.4%，净息差扩至3.61%为头号驱动。
| 指标 | 本期 (Q2 2026) | 去年同期 (Q2 2025) | 同比 |
|---|---|---|---|
| Revenue (Net Interest Income) | $28.967M | $25.819M | — |
| Net Interest Margin FTE | 3.61% | 3.36% | — |
| Operating Income (Income Before Tax) | $14.669M | $12.720M | — |
| Net Income | $11.763M | $10.196M | — |
| Diluted EPS | $1.78 | $1.51 | — |
| Noninterest Income | $4.738M | $4.718M | — |
| Operating Expenses | $18.286M | $17.367M | — |
| Provision for Credit Losses | $0.750M | $0.450M | — |
| Total Assets | $3,311.325M | $3,168.092M | — |
| Total Deposits | $2,905.067M | $2,810.605M | — |
| Loans HFI | $2,263.980M | $2,138.580M | — |
| NPAs to Assets | 0.08% | 0.04% | — |
| ACL to Loans HFI | 1.09% | 1.04% | — |
| Book Value per Share | $58.40 | $50.23 | — |
| 期间 | 指标 | 指引 | 口径 |
|---|---|---|---|
| H2 2026 | Net Interest Income | 小幅增长 | 管理层预期 |
| H2 2026 | Net Interest Margin FTE | 小幅增长 | 管理层预期 |
简评
Red River Bancshares 二季度净利 $11.8M，同比增 15.4%，环比降 1.7%，主因净息差 FTE 环比扩 10bp 至 3.61%，贷款收益率升至 6.38%、存款成本降至 1.43%，推动净利息收入环比增 2.0% 至 $29.0M。营业费用环比增 6.0% 至 $18.3M，其中数据及人事费用为主要推手，一季度曾受益于约 $590,000 的周期性退款。资产质量改善显著，NPA 环比降 38.3% 至 $2.6M，占资产 0.08%，ACL 覆盖率升至 1.09%。
管理层对下半年展望积极，预计贷款增长加快、净息差小幅提升，并完成西北及新奥尔良市场网点整合。资本返还方面，季度派息 $0.25/股，2026 年回购计划剩余 $10.0M 额度。CEO Blake Chatelain 强调资产负债表已为"higher for longer"利率环境做好准备，同时关注通胀及能源价格不确定性。