RED RIVER BANCSHARES INC

For the period ended Jun 30, 2025. Filed Aug 8, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2025 · Filed Aug 8, 2025

RRBI$104.77-0.4%Stored close · as of Nov 10, 2026

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Consolidated Statements of Income

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

	For the Three Months Ended June 30,		For the Six Months Ended June 30,
(in thousands, except per share data)	2025	2024	2025	2024
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$29,500	$26,882	$57,771	$52,775
Interest on securities	5,148	4,068	10,003	8,132
Interest on deposits in other banks	2,063	2,709	4,724	5,748
Dividends on stock	19	22	40	44
Total Interest and Dividend Income	36,730	33,681	72,538	66,699
INTEREST EXPENSE
Interest on deposits	10,911	11,894	22,109	23,549
Total Interest Expense	10,911	11,894	22,109	23,549
Net Interest Income	25,819	21,787	50,429	43,150
Provision for credit losses	450	300	900	600
Net Interest Income After Provision for Credit Losses	25,369	21,487	49,529	42,550
NONINTEREST INCOME
Service charges on deposit accounts	1,337	1,367	2,719	2,735
Debit card income, net	1,081	949	2,074	1,971
Mortgage loan income	567	650	1,097	1,106
Brokerage income	989	893	2,314	1,880
Loan and deposit income	418	492	877	984
Bank-owned life insurance income	224	216	437	418
Gain (Loss) on equity securities	9	(13)	53	(44)
SBIC income	47	454	327	806
Other income (loss)	46	90	92	170
Total Noninterest Income	4,718	5,098	9,990	10,026
OPERATING EXPENSES
Personnel expenses	10,216	9,603	20,239	19,154
Occupancy and equipment expenses	1,753	1,698	3,548	3,314
Technology expenses	821	724	1,655	1,433
Advertising	286	408	619	745
Other business development expenses	455	593	1,013	1,068
Data processing expense	721	651	1,009	998
Other taxes	609	500	1,221	1,237
Loan and deposit expenses	398	309	460	267
Legal and professional expenses	612	729	1,244	1,347
Regulatory assessment expenses	388	401	779	805
Other operating expenses	1,108	1,073	2,168	2,194
Total Operating Expenses	17,367	16,689	33,955	32,562
Income Before Income Tax Expense	12,720	9,896	25,564	20,014
Income tax expense	2,524	1,909	5,016	3,839
Net Income	$10,196	$7,987	$20,548	$16,175
EARNINGS PER SHARE
Basic	$1.51	$1.16	$3.04	$2.32
Diluted	$1.51	$1.16	$3.03	$2.31

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