Red River Bancshares (RRBI) investor relations material

Company overview and market position

• Founded in 1998, with assets of $3.35 billion, loans HFI of $2.25 billion, and deposits of $2.95 billion as of March 31, 2026.

• Market capitalization stands at $594.8 million, with brokerage assets under management of $1.35 billion.

• Included in the Russell 2000 Index and recognized among top banks to work for and best deposit franchises.

• Operates 28 banking centers and three loan/deposit production offices across Louisiana's largest markets.

• Ownership is split among insiders (23%), institutions (34%), and public/other (43%).

Financial performance and capital

• Net income for 2025 rose 24.9% to $42.8 million; diluted EPS was $6.38, up from $4.95 in 2024.

• Book value per share reached $56.76 and tangible book value per share $56.53 as of 1Q26.

• Return on average assets (ROA) was 1.44% and return on equity (ROE) 12.95% for 1Q26.

• Well-capitalized with a leverage ratio of 12.26% and total risk-based capital ratio of 18.51%.

• Quarterly cash dividend increased 67% to $0.25 per share in 1Q26.

Growth strategy and expansion

• Pursues a de novo growth strategy, targeting urban markets with disruption and hiring experienced local leadership.

• 95.2% of asset growth has been organic, with disciplined acquisitions supplementing expansion.

• Recent expansions include new and relocated banking centers in New Orleans, Shreveport, and Lafayette.

• Focus on relationship-driven client service and conservative credit culture.