Red River Bank
Red River Bank reported total assets of $3.3 bn at Q2 2026, up 4.5% on a year earlier, the 380th largest of 497 banks in our US coverage. The CET1 capital ratio at Red River Bank was 17.32%, and the uninsured share of Red River Bank was 31.72%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Red River Bank slipped from 162nd to 192nd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Red River Bank reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.11% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
What sets Red River Bank apart
How large is Red River Bank?
The balance sheet of Red River Bank at : assets $3.3 bn, deposits $2.9 bn, net loans $2.2 bn (loans equal to 76.94% of deposits). Securities make up 22.3% of total assets at Red River Bank. Since , when Red River Bank held $1.6 bn, its assets grew 111.8%. In the year to , deposits at Red River Bank rose 3.4% while its total assets rose 4.5%. At , Red River Bank employed 384 full-time equivalent staff across 29 offices, about $8.6 mn of assets per employee and $100.5 mn of deposits per office.
How much funding at Red River Bank is uninsured?
At Red River Bank, uninsured deposits (above the FDIC limit) made up 31.72% of domestic deposits at (+0.18 pp on a year earlier); Red River Bank ranks 289th of 500 on this measure. In dollars, Red River Bank estimated $924.2 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.9 bn | +3.4% | 366th of 499 |
| Net loans and leases | $2.2 bn | +5.7% | 400th of 500 |
| Loan-to-deposit ratio | 76.94% | +1.67 pp | 372nd of 500 |
| Tier 1 leverage ratio | 12.49% | +0.57 pp | 78th of 500 |
| Total risk-based capital ratio | 18.37% | +0.41 pp | 63rd of 448 |
| Net interest margin | 3.63% | +0.25 pp | 257th of 500 |
| Return on assets (ROA) | 1.46% | +0.12 pp | 166th of 500 |
| Efficiency ratio | 53.66% | -2.45 pp | 201st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $19.2 mn | Narrowed by $3.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $45.5 mn | Narrowed by $15.6 mn | |
| Noncurrent loans to total loans | 0.11% | +0.05 pp | 39th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.03 pp | 107th of 500 (1 = lowest) |
US rank of Red River Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Red River Bank: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.9bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Red River Bank stood at 17.32% in , +0.37 pp year on year. Low and high at Red River Bank since : 13.18% () to 17.32% (). Equity capital of Red River Bank at : $375.0 mn, or 11.3% of total assets. Red River Bank also reported a total capital ratio of 18.37% for , and a tier 1 leverage ratio of 12.49%.
On held-to-maturity securities, Red River Bank carried an unrealized loss of $19.2 mn at , equal to 5.1% of equity capital. The loss narrowed by $3.2 mn over the year. Its deepest point: $26.2 mn in . The available-for-sale portfolio of Red River Bank showed an unrealized loss of $45.5 mn at ; the loss narrowed by $15.6 mn over the year.
Red River Bank: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 12%
Red River Bank: unrealized securities gains and losses
- Available for sale -$45mn
- Held to maturity -$19mn
Profitability and loan quality
For the year to , Red River Bank earned a return on equity of 13.35%; return on assets: 1.46%. Net interest margin at Red River Bank: 3.63%, +0.25 pp in a year. Red River Bank net income: $24.4 mn, up 15.0% year on year. The efficiency ratio of Red River Bank was 53.66%: about 54 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.11% of total loans at Red River Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Red River Bank: $2.3 bn, up 5.7% in a year.
Red River Bank: profitability
- Return on equity 13%
- Net interest margin 3.6%
- Return on assets 1.5%
Peer group of Red River Bank
The peer group of Red River Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Red River Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Louisiana. Against them, Red River Bank shows CET1 ratio 17.32% against a peer median of 14.30%, return on equity 13.35% against a peer median of 11.14% and uninsured deposit share 31.72% against a peer median of 25.16%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Libertyville Bank & Trust Company | National bank | IL | $3.3 bn | 10.88% | 16.75% | 28.67% | |
| Austin Bank, Texas | National bank | TX | $3.3 bn | not reported | 13.87% | 26.04% | |
| TruNorth Bank | State member bank | MA | $3.3 bn | 15.98% | 7.15% | 30.70% | |
| Red River Bank | State nonmember bank | LA | $3.3 bn | 17.32% | 13.35% | 31.72% | |
| BankFirst Financial Services | State member bank | MS | $3.3 bn | not reported | 8.41% | 24.27% | |
| ACNB Bank | State nonmember bank | PA | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | State-chartered stock savings bank | CT | $3.3 bn | not reported | 8.38% | 22.67% | |
. FDIC Call Reports.
Last eight quarters
Two years at Red River Bank, to : assets +6.7%, deposits +5.9%, equity +17.8%. Staff 367 to 384.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.3 bn |
| Total deposits | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $3.0 bn | $3.0 bn | $2.9 bn |
| Bank equity capital | $318.3 mn | $312.7 mn | $325.2 mn | $327.0 mn | $342.6 mn | $356.1 mn | $364.1 mn | $375.0 mn |
| CET1 ratio | 16.78% | 16.80% | 16.89% | 16.95% | 16.80% | 16.65% | 17.09% | 17.32% |
| Return on equity (ROE) | 11.29% | 11.53% | 13.37% | 13.17% | 13.09% | 13.14% | 13.63% | 13.35% |
| Uninsured share of domestic deposits | 30.42% | 31.51% | 31.15% | 31.54% | 31.65% | 32.44% | 31.69% | 31.72% |
| Full-time equivalent employees | 367 | 369 | 377 | 381 | 377 | 381 | 381 | 384 |
| Number of offices | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Red River Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Red River Bank?
Red River Bank reported $3.3 bn at in its Call Report. That makes Red River Bank the 380th largest of 497 banks in our US coverage.
Is Red River Bank the same as its holding company?
No. This page covers Red River Bank, FDIC certificate 34980; RED RIVER BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Red River Bank profitable?
Red River Bank reported net income of $24.4 mn for the year to ; annualized return on equity: 13.35%. So yes: Red River Bank made a profit over these months.
When is data for Red River Bank next updated?
Figures from Red River Bank for are due after .
Where can I check the figures for Red River Bank?
In the FDIC BankFind Suite record for certificate 34980, and in the Call Reports of Red River Bank (RSSD ID 2743244) at the FFIEC Central Data Repository.