Cash flow Red River Bancshares, Inc.

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RRBI

US75686R2022

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07-30	Red River Bancshares, Inc. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
07-30	Red River Bancshares, Inc. Provides Earnings Guidance for the Second Half of 2026	CI

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Published financial data: RED RIVER BANCSHARES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	67.92M	75.83M	93.44M	109M	120M
Interest Income On Investments	9.42M	18.55M	25.13M	28.26M	29.84M
Interest Income, Total	77.34M	94.38M	119M	137M	150M
Interest On Deposits	5.62M	7.74M	32.07M	47.94M	44.33M
Total Interest On Borrowings	-	-	64K	-	-
Interest Expense, Total	5.62M	7.74M	32.13M	47.94M	44.33M
Net Interest Income	71.72M	86.64M	86.44M	89.29M	106M
Service Charges On Deposits	4.78M	5.56M	5.78M	5.67M	5.59M
Total Mortgage Banking Activities	8.68M	3.1M	1.96M	2.49M	2.4M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	19K	-527K	-14K	-28K	94K
Total Other Non Interest Income	11.02M	10.61M	13.39M	12.16M	11.88M
Non Interest Income, Total	24.49M	18.75M	21.11M	20.3M	19.96M
Revenues Before Provison For Loan Losses	96.22M	105M	108M	110M	126M
Provision For Loan Losses	1.9M	1.75M	735K	1.2M	2.3M
Total Revenues	94.32M	104M	107M	108M	123M
Salaries And Other Employee Benefits	32.13M	34.2M	36.88M	38.19M	41.2M
Occupancy Expense	4.89M	5.48M	5.94M	6M	6.92M
Federal Deposit Insurance	933K	1.06M	1.64M	1.65M	1.65M
Selling General & Admin Expenses, Total	9.43M	10.62M	11.75M	12.58M	12.31M
Total Other Non Interest Expense	6.86M	7.3M	7.66M	7.57M	8.01M
Non Interest Expense, Total	54.26M	58.66M	63.87M	65.99M	70.1M
EBT, Excl. Unusual Items	40.06M	44.98M	42.94M	42.4M	53.13M
Other Unusual Items	-	-	-	-17K	-
EBT, Incl. Unusual Items	40.06M	44.98M	42.94M	42.38M	53.13M
Income Tax Expense	7.11M	8.06M	8.06M	8.15M	10.36M
Earnings From Continuing Operations	32.95M	36.92M	34.88M	34.24M	42.76M
Net Income to Company	32.95M	36.92M	34.88M	34.24M	42.76M
Net Income - (IS)	32.95M	36.92M	34.88M	34.24M	42.76M
Net Income to Common Incl Extra Items	32.95M	36.92M	34.88M	34.24M	42.76M
Net Income to Common Excl. Extra Items	32.95M	36.92M	34.88M	34.24M	42.76M
Per Share Items
Net EPS - Basic	4.53	5.14	4.87	4.96	6.4
Basic EPS - Continuing Operations	4.53	5.14	4.87	4.96	6.4
Basic Weighted Average Shares Outstanding	7.28M	7.18M	7.16M	6.9M	6.68M
Net EPS - Diluted	4.51	5.13	4.86	4.95	6.38
Diluted EPS - Continuing Operations	4.51	5.13	4.86	4.95	6.38
Diluted Weighted Average Shares Outstanding	7.3M	7.2M	7.18M	6.92M	6.71M
Normalized Basic EPS	3.44	3.91	3.75	3.84	4.97
Normalized Diluted EPS	3.43	3.91	3.74	3.83	4.95
Dividend Per Share	0.28	0.28	0.32	0.36	0.54
Payout Ratio	6.17	5.45	6.56	7.25	8.39
Supplemental Items
Effective Tax Rate - (Ratio)	17.74	17.93	18.78	19.22	19.5
Total Current Taxes	7.88M	7.75M	8.4M	7.38M	11.06M
Total Deferred Taxes	-773K	313K	-330K	764K	-696K
Normalized Net Income	25.04M	28.11M	26.84M	26.5M	33.2M
Non-Cash Pension Expense	-	-	-	-	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	319K	359K	361K	432K	500K
Total Stock-Based Compensation	319K	359K	361K	432K	500K

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	785M	278M	305M	269M	213M
Investment Securities, Total	291M	388M	318M	249M	244M
Mortgage Backed Securities	380M	392M	398M	438M	532M
Total investments	670M	780M	717M	687M	775M
Gross Loans	1.68B	1.92B	1.99B	2.08B	2.25B
Allowance For Loan Losses	-19.18M	-20.63M	-21.34M	-21.73M	-23.4M
Other Adjustments to Gross Loans	-626K	-	-	-	-
Net Loans	1.66B	1.9B	1.97B	2.05B	2.23B
Gross Property Plant And Equipment	76.48M	84.29M	88.26M	91.96M	92.92M
Accumulated Depreciation	-24.68M	-25.77M	-27.54M	-29.79M	-32.16M
Net Property Plant And Equipment	51.8M	58.52M	60.72M	62.17M	60.76M
Goodwill	1.55M	1.55M	1.55M	1.55M	1.55M
Loans Held For Sale	4.29M	518K	1.31M	2.55M	3.15M
Accrued Interest Receivable	6.24M	8.83M	9.94M	10.05M	11.13M
Other Real Estate Owned And Foreclosed	660K	-	69K	38K	36K
Other Long-Term Assets, Total	40.18M	59.69M	61.75M	63.78M	60.26M
Total Assets	3.22B	3.08B	3.13B	3.15B	3.35B
Liabilities
Accrued Expenses, Total	6.36M	7.78M	7.9M	9.56M	9.33M
Interest Bearing Deposits	1.67B	1.62B	1.71B	1.75B	1.85B
Institutional Deposits	89.58M	91.43M	171M	187M	203M
Non-Interest Bearing Deposits	1.15B	1.09B	916M	866M	914M
Total Deposits	2.91B	2.8B	2.8B	2.81B	2.96B
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	539K	625K	631K	596K	321K
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	3.3M	3.63M	3.14M	2.27M	1.22M
Trust Preferred Securities (BS)	-	-	-	-	-
Accrued Interest Payable	1.31M	1.56M	8M	7.58M	6.13M
Unearned Revenue, Current	2M	1.4M	-	-	-
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	2.7M	3M	3.4M	4.1M	4.7M
Other Non Current Liabilities	-	-	-	642K	642K
Total Liabilities	2.93B	2.82B	2.82B	2.83B	2.99B
Common Stock, Total	60.23M	60.05M	55.14M	38.66M	27.54M
Additional Paid In Capital	1.81M	2.09M	2.41M	2.78M	3.22M
Retained Earnings	240M	275M	307M	339M	378M
Comprehensive Income and Other	-3.77M	-71.17M	-60.49M	-60.25M	-43.34M
Total Common Equity	298M	266M	304M	320M	365M
Total Equity	298M	266M	304M	320M	365M
Total Liabilities And Equity	3.22B	3.08B	3.13B	3.15B	3.35B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	7.18M	7.18M	7.09M	6.78M	6.58M
ECS Total Common Shares Outstanding	7.18M	7.18M	7.09M	6.78M	6.58M
Book Value / Share	41.52	36.99	42.85	47.18	55.52
Tangible Book Value	297M	264M	302M	318M	364M
Tangible Book Value Per Share	41.31	36.78	42.63	46.95	55.29
Tangible Book Value Per Share (As Reported)	41.31	36.78	42.63	46.95	55.29
Average Assets	2.91B	3.13B	3.03B	3.09B	3.2B
Average Loans	1.62B	1.82B	1.94B	2.05B	2.15B
Total Debt	3.84M	4.26M	3.77M	2.86M	1.54M
Deposits at Interest - Cash	762M	241M	252M	238M	188M
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.7M	3M	3.4M	4.1M	4.7M
Net Debt	-781M	-274M	-302M	-266M	-212M
Full Time Employees	342	340	353	358	367
Part Time Employees	16	11	9	11	8
Number Of Offices	27	28	27	28	28

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	32.95M	36.92M	34.88M	34.24M	42.76M
Depreciation, Depletion & Amortization	1.91M	2.08M	2.2M	2.52M	2.75M
Amortization of Goodwill and Intangible Assets - (CF)	646K	533K	548K	694K	799K
Total Depreciation, Depletion & Amortization	2.55M	2.61M	2.75M	3.22M	3.55M
(Gain) Loss On Sale of Asset - (CF)	-184K	60K	60K	-10K	43K
(Gain) Loss on Sale of Investments - (CF)	2.28M	913K	122K	-108K	-327K
Provision for Credit Losses	1.9M	1.75M	735K	1.2M	2.3M
Stock-Based Compensation (CF)	319K	359K	361K	432K	500K
Changes in Accrued Interest Receivable	635K	-2.58M	-1.12M	-103K	-1.08M
Changes in Accrued Interest Payable	-464K	253K	6.44M	-417K	-1.46M
Change In Income Taxes	-70K	374K	-527K	358K	49K
Change in Other Net Operating Assets (Collected)	24.18M	3.06M	-1.54M	-2.09M	-1.49M
Other Operating Activities	-1.84M	2.16M	-2.04M	1.57M	-59K
Cash from Operations	62.26M	45.87M	40.11M	38.28M	44.79M
Capital Expenditure	-3.43M	-8.44M	-4.92M	-4.88M	-2.58M
Sale of Property, Plant, and Equipment	483K	-	15K	11K	12K
Investment in Marketable and Equity Securities, Total	-181M	-198M	73.19M	28.44M	-67.12M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-96.33M	-233M	-77.04M	-82.8M	-175M
Other Investing Activities, Total	-4.44M	641K	15K	69K	470K
Cash from Investing	-285M	-439M	-8.74M	-59.16M	-244M
Short Term Debt Issued, Total	-	-	60M	-	-
Total Debt Issued	-	-	60M	-	-
Short Term Debt Repaid, Total	-	-	-60M	-	-
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-	-	-60M	-	-
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-7.88M	-218K	-5M	-16.31M	-11.06M
Common Dividends Paid	-2.03M	-2.01M	-2.29M	-2.48M	-3.59M
Common & Preferred Stock Dividends Paid	-2.03M	-2.01M	-2.29M	-2.48M	-3.59M
Net Increase (Decrease) in Deposit Accounts - (CF)	570M	-111M	2.95M	3.22M	158M
Cash from Financing	560M	-114M	-4.34M	-15.57M	144M
Net Change in Cash	338M	-506M	27.03M	-36.45M	-55.58M
Supplemental Items
Cash Interest Paid	6.08M	7.48M	25.69M	48.35M	45.78M
Cash Income Tax Paid (Refund)	7.99M	7.35M	9M	6.94M	11.01M
Net Debt Issued / Repaid	-	-	0	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.12	1.17	1.12	1.09	1.32
Return On Equity %	11.29	13.09	12.25	10.98	12.49
Return on Common Equity	11.29	13.09	12.25	10.98	12.49
Shareholders Value Added	-1.42M	3.61M	1.25M	-2.49M	2.47M
Margin Analysis
SG&A Margin	49.26	48.54	51.09	52.38	49.05
Net Interest Income / Total Revenues %	76.05	83.6	80.92	82.38	85.66
EBT Excl. Non-Recurring Items Margin %	42.47	43.4	40.2	39.12	43.11
Income From Continuing Operations Margin %	34.94	35.62	32.65	31.58	34.71
Net Income Margin %	34.94	35.62	32.65	31.58	34.71
Net Avail. For Common Margin %	34.94	35.62	32.65	31.58	34.71
Normalized Net Income Margin	26.55	27.13	25.13	24.45	26.95
Asset quality
Nonperforming Loans / Total Loans %	0.02	0.12	0.13	0.16	0.16
Nonperforming Loans / Total Assets %	0.01	0.08	0.08	0.1	0.1
Nonperforming Assets / Total Assets %	0.03	0.08	0.08	0.1	0.11
NPAs / Loans and OREO	0.06	0.12	0.13	0.16	0.16
NPAs / Equity	0.33	0.89	0.86	1.02	0.97
Allowance for Credit Losses / Net Charge-offs %	2.84K	6.92K	7K	3.59K	3.7K
Allowance for Credit Losses / Nonperforming Loans %	6.01K	871.85	842.32	671.95	668.54
Allowance for Credit Losses / Total Loans %	1.14	1.08	1.07	1.05	1.04
Net Charge-offs / Total Average Loans %	0.04	0.02	0.02	0.03	0.03
Provision for Loan Losses / Net Charge-offs %	281.48	587.25	240.98	198.35	363.92
Earning Assets / IBL	179.81	180.66	172.11	163.4	162.32
Interest Income / Average Assets	2.66	3.01	3.92	4.44	4.68
Interest Expense / Average Assets	0.19	0.25	1.06	1.55	1.38
Net Interest Income / Average Assets	2.47	2.76	2.85	2.89	3.29
Non Interest Income / Average Assets	0.84	0.6	0.7	0.66	0.62
Non Interest Expense / Average Asset	1.87	1.87	2.11	2.14	2.19
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.95	8.94	9.17	9.93	10.54
Total Average Equity / Total Average Assets %	9.95	8.94	9.17	9.93	10.54
Total Equity + Allowance for Loan Losses / Total Loans %	18.84	14.94	16.32	16.46	17.28
Gross Loans / Total Deposits %	57.88	68.46	71.13	73.97	75.88
Net Loans / Total Deposits %	57.2	67.73	70.36	73.2	75.09
Tier 1 Capital Ratio %	16.76	16.38	17.24	17.12	17.02
Total Capital Ratio %	17.83	17.39	18.28	18.13	18.03
Core Tier 1 Capital Ratio	16.76	16.38	17.24	17.12	17.02
Equity Tier 1 Capital Ratio	9.2	8.57	9.67	10.11	10.86
Coverage Ratio	311.86	272.57	658.11	244.03	152.58
Leverage Ratio %	9.67	10.71	11.56	11.86	12.21
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	672	-	-
EBT + Interest Expense / Interest Expense	8.13	6.81	2.34	1.88	2.2
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.94	20.8	-0.23	3.3	18.21
Non Interest Income, 1 Yr. Growth %	7.16	-23.46	12.63	-3.87	-1.64
Provision For Loan Losses, 1 Yr. Growth %	-69.81	-7.89	-58	63.27	91.67
Total Revenues, 1 Yr. Growth %	10.23	9.88	3.07	1.47	13.68
Earnings From Cont. Operations, 1 Yr. Growth %	17.08	12.03	-5.52	-1.85	24.91
Net Income, 1 Yr. Growth %	17.08	12.03	-5.52	-1.85	24.91
Normalized Net Income, 1 Yr. Growth %	16.22	12.28	-4.53	-1.85	25.45
Diluted EPS Before Extra, 1 Yr. Growth %	17.75	13.75	-5.26	1.85	28.89
Dividend Per Share, 1 Yr. Growth %	16.67	0	14.29	12.5	50
Gross Loans, 1 Yr. Growth %	5.86	13.76	4	4.12	8.37
Allowance For Loan Losses, 1 Yr. Growth %	6.82	7.57	3.43	1.85	7.68
Net Loans, 1 Yr. Growth %	6	13.88	4	4.15	8.38
Non Performing Loans, 1 Yr. Growth %	-90.36	641.69	7.06	27.67	8.23
Non Performing Assets, 1 Yr. Growth %	-76.72	141.68	9.97	25.75	8.07
Total Assets, 1 Yr. Growth %	22.03	-4.4	1.5	0.66	6.39
Total Deposits, 1 Yr Growth %	24.35	-3.83	0.11	0.11	5.64
Tangible Book Value, 1 Yr. Growth %	4.46	-10.92	14.42	5.26	14.27
Average Interest Earning Assets, 1 Yr. Growth %	26.74	9.37	-3	1.53	3.62
Average Interest Bearing Liabilities, 1 Yr. Growth %	27.7	8.86	1.82	6.94	4.31
Common Equity, 1 Yr. Growth %	4.44	-10.87	14.34	5.23	14.2
Total Equity, 1 Yr. Growth %	4.44	-10.87	14.34	5.23	14.2
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.16	12.06	9.78	1.52	10.51
Non Interest Income, 2 Yr. CAGR %	23.84	-9.43	-7.15	4.05	-2.76
Provision For Loan Losses, 2 Yr. CAGR %	2.46	-47.27	-37.8	-17.19	76.9
Total Revenues, 2 Yr. CAGR %	10.1	10.06	6.42	2.27	7.4
Earnings From Cont. Operations, 2 Yr. CAGR %	15.21	14.53	2.88	-3.7	10.73
Net Income, 2 Yr. CAGR %	15.21	14.53	2.88	-3.7	10.73
Normalized Net Income, 2 Yr. CAGR %	14.67	14.24	3.54	-2.91	11.22
Diluted EPS Before Extra, 2 Yr. CAGR %	13.68	15.73	3.81	-1.77	14.58
Dividend Per Share, 2 Yr. CAGR %	18.32	8.01	6.9	13.39	29.9
Gross Loans, 2 Yr. CAGR %	8.2	9.74	8.77	4.06	6.22
Allowance For Loan Losses, 2 Yr. CAGR %	17.3	7.2	5.48	2.64	4.72
Net Loans, 2 Yr. CAGR %	8.08	9.86	8.83	4.08	6.24
Non Performing Loans, 2 Yr. CAGR %	-75.51	-15.45	181.79	16.91	17.55
Non Performing Assets, 2 Yr. CAGR %	-61.09	-25	63.03	17.6	16.57
Total Assets, 2 Yr. CAGR %	27.35	8.01	-1.5	1.08	3.49
Total Deposits, 2 Yr CAGR %	30.04	9.36	-1.88	0.11	2.84
Tangible Book Value, 2 Yr. CAGR %	8.85	-3.54	0.96	9.74	9.67
Average Interest Earning Assets, 2 Yr. CAGR %	24.23	17.74	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	19.86	17.9	-	-	-
Common Equity, 2 Yr. CAGR %	8.79	-3.52	0.95	9.69	9.62
Total Equity, 2 Yr. CAGR %	8.79	-3.52	0.95	9.69	9.62
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.58	10.83	7.8	7.58	6.8
Non Interest Income, 3 Yr. CAGR %	19.01	5.49	-2.61	-6.07	2.12
Provision For Loan Losses, 3 Yr. CAGR %	-1.53	-1.12	-51.12	-14.2	9.54
Total Revenues, 3 Yr. CAGR %	9.53	10.03	7.68	4.75	5.94
Earnings From Cont. Operations, 3 Yr. CAGR %	12.64	14.14	7.41	1.28	5.02
Net Income, 3 Yr. CAGR %	12.64	14.14	7.41	1.28	5.02
Normalized Net Income, 3 Yr. CAGR %	12.21	13.87	7.6	1.91	5.7
Diluted EPS Before Extra, 3 Yr. CAGR %	9.77	13.7	8.26	3.15	7.54
Dividend Per Share, 3 Yr. CAGR %	23.13	11.87	10.06	8.74	24.47
Gross Loans, 3 Yr. CAGR %	8.24	10.02	7.79	7.2	5.48
Allowance For Loan Losses, 3 Yr. CAGR %	15.26	13.96	5.93	4.26	4.29
Net Loans, 3 Yr. CAGR %	8.15	9.98	7.88	7.24	5.49
Non Performing Loans, 3 Yr. CAGR %	-63.39	-23.66	-8.53	116.43	13.94
Non Performing Assets, 3 Yr. CAGR %	-48.45	-28.47	-14.79	49.51	14.33
Total Assets, 3 Yr. CAGR %	20.12	15.74	5.79	-0.78	2.82
Total Deposits, 3 Yr CAGR %	20.93	17.6	6.18	-1.22	1.92
Tangible Book Value, 3 Yr. CAGR %	15.57	1.81	2.11	2.37	11.23
Average Interest Earning Assets, 3 Yr. CAGR %	17.81	19.06	10.38	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	14.25	16.08	12.28	-	-
Common Equity, 3 Yr. CAGR %	15.46	1.8	2.1	2.36	11.17
Total Equity, 3 Yr. CAGR %	15.46	1.8	2.1	2.36	11.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.44	10.82	7.85	7.01	8.87
Non Interest Income, 5 Yr. CAGR %	12	8.08	7.76	4.91	-2.67
Provision For Loan Losses, 5 Yr. CAGR %	2.76	2.39	-18.06	-7.89	-18.23
Total Revenues, 5 Yr. CAGR %	9.44	10.47	8.28	6.86	7.57
Earnings From Cont. Operations, 5 Yr. CAGR %	16.89	21.43	8.63	6.64	8.73
Net Income, 5 Yr. CAGR %	16.89	21.43	8.63	6.64	8.73
Normalized Net Income, 5 Yr. CAGR %	14.11	14.83	8.66	6.83	9.04
Diluted EPS Before Extra, 5 Yr. CAGR %	13.83	19.11	7.34	7.24	10.75
Dividend Per Share, 5 Yr. CAGR %	-	-	16.36	12.47	17.61
Gross Loans, 5 Yr. CAGR %	8	8.96	8.45	7.6	7.16
Allowance For Loan Losses, 5 Yr. CAGR %	12.71	13.62	11.24	9.29	5.44
Net Loans, 5 Yr. CAGR %	7.94	8.92	8.42	7.58	7.22
Non Performing Loans, 5 Yr. CAGR %	-43.66	-25.61	-17.18	-9.47	1.12
Non Performing Assets, 5 Yr. CAGR %	-30.34	-25.64	-18.29	-12.73	-3.41
Total Assets, 5 Yr. CAGR %	14.41	12.32	10.95	9.64	4.86
Total Deposits, 5 Yr CAGR %	14.59	12.9	11.23	10.26	4.83
Tangible Book Value, 5 Yr. CAGR %	14.33	8.21	9.49	4.91	5.07
Average Interest Earning Assets, 5 Yr. CAGR %	13.2	13.42	11.65	10.7	7.18
Average Interest Bearing Liabilities, 5 Yr. CAGR %	9.37	10.69	10.58	11.24	9.57
Common Equity, 5 Yr. CAGR %	14.45	8.33	9.42	4.89	5.05
Total Equity, 5 Yr. CAGR %	14.45	8.33	9.42	4.89	5.05