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Red River Bank
Alexandria, LA·FDIC Cert #34980·Charter: STATE·Est. 19990114.0·HC: RED RIVER BANCSHARES INC
Total Assets
$3.3B
Q4 2025
Return on Assets
1.36%
+0.01%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.13%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%+0.01
ROE
13.14%+0.05
Efficiency
56.13%-0.21
Equity/Assets
0.00%+0.00
NPL Ratio
0.16%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.99%-0.66
Charge-offs
0.03%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.1 | 1.3 | 1.3 | 1.3 | 1.4 |
| ROE | 11.5 | 11.2 | 11.3 | 11.5 | 13.4 | 13.2 | 13.1 | 13.1 |
| Efficiency | 60.4 | 61.5 | 61.2 | 60.6 | 55.5 | 56.1 | 56.3 | 56.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 73.3 | 74.5 | 74.0 | 73.1 | 73.9 | 75.3 | 75.6 | 75.0 |
Balance Sheet
Total Assets$3.3B
Total Deposits$3.0B
Total Loans$2.2B
Total Equity$356.1M
Profitability
ROA1.36%
ROE13.14%
Efficiency Ratio56.13%
Net Income$43.7M
Risk & Asset Quality
NPL Ratio0.16%
Charge-off Rate0.03%
Loan/Deposit74.99%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans