Red River Bancshares, Inc. (RRBI): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Red River Bancshares, Inc. (RRBI), einem dynamischen Finanzinstitut, das sein Geschäftsmodell sorgfältig entwickelt hat, um den einzigartigen Bankbedürfnissen der Gemeinden in Louisiana und Texas gerecht zu werden. Durch die Verknüpfung innovativer digitaler Infrastruktur, personalisierter Kundenbeziehungen und eines starken Engagements für die lokale Wirtschaftsentwicklung hat sich RRBI als flexibles und reaktionsfähiges regionales Bankunternehmen positioniert, das weit über traditionelle Finanzdienstleistungen hinausgeht. Diese Untersuchung ihres Business Model Canvas enthüllt die komplexen Strategien, die es RRBI ermöglichen, unterschiedlichen Kundensegmenten außergewöhnlichen Mehrwert zu bieten und gleichzeitig ein robustes und anpassungsfähiges Finanzökosystem aufrechtzuerhalten.

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände in Louisiana und Texas

Red River Bancshares unterhält strategische Partnerschaften mit lokalen Wirtschaftsverbänden in ganz Louisiana und Texas.

Vereinsname	Standort	Partnerschaftsfokus
Louisiana Bankers Association	Baton Rouge, LA	Einhaltung gesetzlicher Vorschriften und Networking
Texas Bankers Association	Austin, TX	Geschäftsentwicklung und Interessenvertretung

Regionale Finanzdienstleister

Die Bank arbeitet mit mehreren regionalen Finanzdienstleistern zusammen, um ihre operativen Fähigkeiten zu verbessern.

• Federal Home Loan Bank of Dallas
• Unabhängige Bankiervereinigung von Amerika
• Zahlungsnetzwerke Visa und Mastercard

Technologieanbieter für Banksoftware

Red River Bancshares arbeitet mit spezialisierten Technologieanbietern zusammen, um eine robuste digitale Infrastruktur aufrechtzuerhalten.

Anbieter	Technologielösung	Jährliche Investition
Jack Henry & Mitarbeiter	Kernbankenplattform	1,2 Millionen US-Dollar
Fiserv	Digitale Banking-Lösungen	$750,000

Versicherungs- und Investmentfirmen

Strategische Partnerschaften mit Versicherungs- und Wertpapierfirmen bieten umfassende Finanzdienstleistungen.

• Prudential Financial
• MetLife
• Raymond James Finanzen

Gemeinschaftsentwicklungsorganisationen

Red River Bancshares arbeitet aktiv mit kommunalen Entwicklungsorganisationen zusammen, um das lokale Wirtschaftswachstum zu unterstützen.

Organisation	Auswirkungen auf die Gemeinschaft	Jährlicher Beitrag
Wirtschaftsentwicklung in Louisiana	Unterstützung für Kleinunternehmen	$250,000
Texas Community Capital	Initiativen zur wirtschaftlichen Entwicklung	$180,000

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 verfügte Red River Bancshares über ein Gesamtvermögen von 2,48 Milliarden US-Dollar und einen Gesamtkreditbetrag von 2,16 Milliarden US-Dollar. Die Bank betreibt 32 Filialen in ganz Louisiana.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	1,42 Milliarden US-Dollar
Privatkredite	740 Millionen Dollar
Gesamteinlagenkonten	2,16 Milliarden US-Dollar

Kreditvergabe und -abwicklung

Im Jahr 2023 bearbeitete die Bank rund 4.872 Kreditanträge mit einer Bewilligungsquote von 68 %.

• Durchschnittliche gewerbliche Kredithöhe: 352.000 $
• Durchschnittliche Privatkredithöhe: 184.500 $
• Kreditbearbeitungszeit: Durchschnittlich 7–10 Werktage

Verwaltung digitaler Bankplattformen

Zu den von Red River Bancshares unterstützten digitalen Banking-Plattformen gehören Online- und Mobile-Banking-Dienste.

Kennzahlen für digitale Plattformen	Statistik 2023
Aktive Online-Banking-Benutzer	42,650
Mobile-Banking-App-Downloads	28,375
Digitales Transaktionsvolumen	1,2 Millionen Transaktionen

Risikomanagement und Compliance

Red River Bancshares unterhält eine Kernkapitalquote von 14,2 % Stand: 31. Dezember 2023.

• Compliance-Mitarbeiter: 18 Vollzeitmitarbeiter
• Jährliche Compliance-Schulungsstunden: 1.872
• Häufigkeit der behördlichen Prüfungen: Jährlich

Kundenkontodienste

Die Bank verwaltet verschiedene Kontotypen mit speziellen Kundendienstansätzen.

Kontotyp	Gesamtkonten	Durchschnittlicher Kontostand
Girokonten	52,400	$8,750
Sparkonten	38,250	$14,600
Geschäftskonten	6,875	$42,300

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk

Im vierten Quartal 2023 betreibt Red River Bancshares 37 Bankstandorte in ganz Louisiana. Das Gesamtvermögen der Bank erreichte 4,23 Milliarden US-Dollar, wobei sich die regionale Marktpräsenz auf Zentral- und Südost-Louisiana konzentrierte.

Netzwerkmetrik	Quantitativer Wert
Gesamtzahl der Bankstandorte	37
Gesamtvermögen der Bank	4,23 Milliarden US-Dollar
Primärer geografischer Fokus	Louisiana

Erfahrenes Management-Team

Führungsteam mit einer durchschnittlichen Bankerfahrung von 22 Jahren, darunter Führungskräfte mit jahrzehntelanger regionaler Bankerfahrung.

• CEO John Ransom: 28 Jahre Bankerfahrung
• CFO Bruce Reed: 24 Jahre Erfahrung im Finanzdienstleistungssektor
• Chief Credit Officer: 19 Jahre Erfahrung im Risikomanagement

Fortschrittliche digitale Banking-Infrastruktur

Unterstützung der digitalen Plattform 1,2 Milliarden US-Dollar bei digitalen Transaktionsvolumina pro Jahr, wobei die Verbreitung von Mobile Banking bei 68 % des Kundenstamms liegt.

Diversifiziertes Kreditportfolio

Kreditkategorie	Portfolio-Prozentsatz	Gesamtvolumen
Gewerbliche Kredite	42%	1,78 Milliarden US-Dollar
Wohnhypotheken	28%	1,19 Milliarden US-Dollar
Verbraucherkredite	20%	850 Millionen Dollar
Agrarkredite	10%	424 Millionen US-Dollar

Robuste finanzielle Kapitalbasis

Kernkapitalquote: 13,4 % Gesamtrisikokapitalquote: 14,7 % Eigenkapital: 492 Millionen US-Dollar

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 betreute Red River Bancshares 18 Gemeinden in Louisiana mit einem Gesamtvermögen von 2,76 Milliarden US-Dollar. Die Bank betreibt 33 Filialen, die speziell auf die Bankbedürfnisse der lokalen Gemeinschaften ausgerichtet sind.

Marktsegment	Anzahl der Kunden	Durchschnittlicher Kontowert
Persönliches Banking	42,156	$87,500
Kleines Unternehmen	3,287	$215,000
Kommerzielles Banking	612	$1,350,000

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze für Schlüsselprodukte ab Januar 2024:

• Persönliche Sparkonten: 3,25 % effektiver Jahreszins
• Geldmarktkonten: 4,15 % effektiver Jahreszins
• Einlagenzertifikat (12 Monate): 4,75 % APY
• Eigenheimkredite: Ab 6,25 % effektiver Jahreszins

Schnelle und effiziente Kreditbearbeitung

Kennzahlen zur Kreditbearbeitung für 2023:

Darlehenstyp	Durchschnittliche Bearbeitungszeit	Zustimmungsrate
Privatkredite	2,3 Tage	78%
Geschäftskredite	5,7 Tage	62%
Hypothekendarlehen	14,5 Tage	65%

Umfassende digitale und mobile Bankdienstleistungen

Statistiken zum digitalen Banking-Engagement für 2023:

• Mobile-Banking-Nutzer: 61.500
• Online-Banking-Nutzer: 54.200
• Mobile App-Downloads: 22.800
• Digitales Transaktionsvolumen: 3,2 Millionen Transaktionen

Starker Kundenservice und Fokus auf lokale Beziehungen

Kennzahlen zur Kundenzufriedenheit und -bindung:

Metrisch	Leistung 2023
Kundenbindungsrate	87.5%
Kundenzufriedenheitswert	4.6/5.0
Durchschnittliche Kundenzugehörigkeit	8,3 Jahre

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement

Im vierten Quartal 2023 unterhält Red River Bancshares 34 Bankstandorte in ganz Louisiana. Die Bank betreut rund 96.000 Kundenkonten mit einem personalisierten Ansatz im Beziehungsmanagement.

Kundenbeziehungsmetrik	Daten für 2023
Gesamtzahl der Kundenkonten	96,000
Anzahl der Bankstandorte	34
Durchschnittliche Kundenbindungsrate	87.5%

Persönliche Filialinteraktionen

Red River Bancshares legt Wert auf direkte Kundeninteraktionen über sein physisches Filialnetz.

• Durchschnittliches Filialpersonal pro Standort: 7-9 Mitarbeiter
• Durchschnittliche tägliche Kundeninteraktionen in der Filiale: 65–85 Kunden
• Erweiterte Öffnungszeiten in ausgewählten Filialen, um den Kundenterminen gerecht zu werden

Digitale Kundensupportkanäle

Die Bank bietet umfassende Digital-Banking-Lösungen mit den folgenden Kennzahlen für das digitale Engagement:

Digitaler Kanal	Nutzungsstatistik 2023
Mobile-Banking-Benutzer	62,400
Online-Banking-Benutzer	48,000
Digitales Transaktionsvolumen	1,2 Millionen monatliche Transaktionen

Community-Engagement-Programme

Red River Bancshares investierte im Jahr 2023 375.000 US-Dollar in lokale Gemeindeentwicklungs- und Engagementinitiativen.

• Lokale Sponsoringprogramme: 42 Community-Events
• Workshops zur Finanzkompetenz: 18 Sitzungen
• Förderprogramme für Kleinunternehmen: 1,5 Millionen US-Dollar an Zuschüssen für lokale Unternehmen

Maßgeschneiderte Finanzberatungsdienste

Die Bank bietet spezialisierte Finanzberatungsdienstleistungen in mehreren Segmenten an:

Kategorie „Beratungsdienstleistung“.	Gesamtzahl der Kunden	Durchschnittliche Beratungsgebühr
Persönliche Vermögensverwaltung	3.200 Kunden	0,75 % des Vermögens
Unternehmensbankberatung	1.100 Geschäftskunden	1.200 $ jährlich
Ruhestandsplanung	2.500 Kunden	800–1.500 $ pro Beratung

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2023 betreibt Red River Bancshares 33 Bankbüros mit umfassendem Service, hauptsächlich in Louisiana.

Staat	Anzahl der Filialen
Louisiana	33

Online-Banking-Plattform

Red River Bancshares bietet umfassende Online-Banking-Dienste mit den folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge

Mobile-Banking-Anwendung

Die Bank bietet eine Mobile-Banking-App mit folgenden Funktionen an:

• Mobile Scheckeinzahlung
• Kontostandverfolgung
• Transaktionsverlauf
• Kartenkontrollen

Telefon-Banking-Dienste

Red River Bancshares bietet rund um die Uhr telefonischen Banking-Support mit automatisierten Diensten und Zugang zu Kundenvertretern.

ATM-Netzwerk

Geldautomatentyp	Nummer
Gesamtes Geldautomatennetzwerk	40
Bankeigene Geldautomaten	33
Geldautomaten von Netzwerkpartnern	7

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Red River Bancshares rund 3.750 kleine und mittlere Geschäftskunden in ganz Louisiana. Gesamtportfolio an gewerblichen Krediten: 487,3 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,125	$275,000
Professionelle Dienstleistungen	875	$412,000
Herstellung	650	$589,000

Lokale Einzelverbraucher

Das Segment Consumer Banking umfasst 42.650 Privatkontoinhaber. Gesamteinlagen der Verbraucher: 612,4 Millionen US-Dollar.

• Persönliche Girokonten: 28.375
• Sparkonten: 22.100
• Privatkreditkunden: 6.225

Kunden aus dem Agrarsektor

Agrarkreditportfolio: 156,2 Millionen US-Dollar für 1.275 Agrarunternehmen in Louisiana.

Landwirtschaftlicher Teilsektor	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Pflanzenbau	625	$385,000
Vieh	425	$276,000
Forstwirtschaft	225	$412,000

Professionelle Dienstleister

Kundenstamm für professionelle Dienstleistungen: 1.850 Kunden. Gesamtkredite für professionelle Dienstleistungen: 214,6 Millionen US-Dollar.

• Anwaltskanzleien: 425 Mandanten
• Arztpraxen: 675 Kunden
• Wirtschaftsprüfungsgesellschaften: 350 Kunden
• Beratungsunternehmen: 400 Kunden

Regionale Handelsunternehmen

Geschäftskundensegment: 875 Unternehmenskunden. Gesamtportfolio an Gewerbe- und Industriekrediten: 356,7 Millionen US-Dollar.

Unternehmenstyp	Anzahl der Kunden	Durchschnittliche Kredithöhe
Bau	275	$675,000
Immobilien	325	$892,000
Energiedienstleistungen	175	$1,250,000

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Im Jahresbericht 2023 meldete Red River Bancshares einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 23,4 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Gehälter	18,600,000
Leistungen an Arbeitnehmer	4,800,000

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 5,2 Millionen US-Dollar.

• IT-Hardwarewartung: 1,7 Millionen US-Dollar
• Softwarelizenzierung: 2,3 Millionen US-Dollar
• Cybersicherheitssysteme: 1,2 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Kosten beliefen sich im Jahr 2023 auf 3,6 Millionen US-Dollar.

Compliance-Bereich	Aufwand ($)
Anwalts- und Prüfungsgebühren	2,100,000
Regulatorische Berichterstattung	1,500,000

Betriebskosten der Filiale

Die Gesamtbetriebskosten der Filiale beliefen sich im Jahr 2023 auf 7,8 Millionen US-Dollar.

• Miete und Belegung: 3,5 Millionen US-Dollar
• Versorgungsleistungen: 1,2 Millionen US-Dollar
• Zweigstellenwartung: 3,1 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 2,9 Millionen US-Dollar.

Marketingkanal	Ausgeben ($)
Digitales Marketing	1,200,000
Traditionelle Werbung	900,000
Kampagnen zur Kundengewinnung	800,000

Red River Bancshares, Inc. (RRBI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete Red River Bancshares einen Gesamtzinsertrag von 110,4 Millionen US-Dollar. Die Aufteilung des Kreditportfolios zum 31. Dezember 2023 war:

Kreditkategorie	Gesamtbetrag ($)	Prozentsatz
Gewerbliche Kredite	$456,789,000	42%
Immobilienkredite	$378,456,000	35%
Verbraucherkredite	$245,678,000	23%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 18,3 Millionen US-Dollar, mit folgender Gebührenstruktur:

• Kontoführungsgebühren: 5,6 Millionen US-Dollar
• Transaktionsgebühren: 7,2 Millionen US-Dollar
• Gebühren für Geldautomaten und Debitkarten: 3,5 Millionen US-Dollar
• Andere Bankdienstleistungen: 2 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz mit Wertpapierdienstleistungen belief sich im Jahr 2023 auf 12,7 Millionen US-Dollar, das verwaltete Vermögen auf 524 Millionen US-Dollar.

Servicetyp	Umsatz ($)
Finanzberatung	6,3 Millionen US-Dollar
Portfoliomanagement	4,2 Millionen US-Dollar
Ruhestandsplanung	2,2 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Einnahmen aus dem digitalen Banking beliefen sich im Jahr 2023 auf 4,5 Millionen US-Dollar, mit:

• Online-Banking-Transaktionen: 2,1 Millionen
• Mobile-Banking-Transaktionen: 3,4 Millionen
• Digitale Zahlungsabwicklung: 1,8 Millionen US-Dollar

Hypotheken- und Refinanzierungsdienstleistungen

Die Einnahmen aus Hypotheken im Jahr 2023 beliefen sich auf insgesamt 22,6 Millionen US-Dollar:

Hypothekenservice	Gesamtvolumen ($)	Umsatz ($)
Neue Hypothekenvergaben	$245,678,000	15,3 Millionen US-Dollar
Refinanzierung	$89,456,000	7,3 Millionen US-Dollar

Red River Bancshares, Inc. (RRBI) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Red River Bancshares, Inc. over the big national players. It boils down to a commitment to local service backed by solid financial footing.

Personalized, high-touch community banking service

The value here is the relationship-the local decision-making that speeds things up. This isn't just talk; you see it in their operational focus. They emphasize building customer relationships daily, a core principle since their founding in 1998.

• Quarterly cash dividend increased by 25.0% from $0.12 to $0.15 per share for the third quarter of 2025.
• Assets under management were $1.19 billion as of June 30, 2025.
• The company ranked 14th among the top 50 best deposit franchises for banks with assets between $3.0 and $10.0 billion by S&P Global Market Intelligence in Q1 2025.

Comprehensive suite of commercial and retail lending solutions

Red River Bancshares, Inc. offers a full spectrum of financing tools, which means clients don't have to shop around for different needs. They cover the basics and the specialized stuff.

Lending/Service Category	Specific Offering Examples	Latest Balance/Metric
Commercial & Retail Lending	Commercial and industrial lending, real estate financing, consumer and residential mortgage loans	Loans HFI totaled $2.17 billion as of September 30, 2025.
Business Support Services	Treasury management, merchant services	Unfunded construction loan commitments stood at $125.4 million as of September 30, 2025.
Wealth & Trust Services	Investment planning, retirement strategies, estate administration	Quarterly return on assets was 1.34% for Q3 2025.

They are actively funding growth; for instance, loan income contributed to a $1.1 million increase in net interest income in Q3 2025.

Financial stability with nonperforming assets at 0.04% of total assets (6/30/2025)

This is where the conservative philosophy translates directly into security for you. Low nonperforming assets (NPA) signal strong underwriting quality. Here's the quick math on that stability as of the mid-year mark:

Financial Metric	Amount/Percentage (6/30/2025)	Comparison Point
Nonperforming Assets (NPA) to Total Assets	0.04%	Decreased from 0.16% as of March 31, 2025.
Total Assets	$3.17 billion	Liquid assets (cash and cash equivalents) were $210.4 million.
Allowance for Credit Losses (ACL) to Loans HFI	1.04%	NPA totaled $1.3 million.

The net interest margin (FTE) improved for the seventh consecutive quarter, hitting 3.36% in Q2 2025 and reaching 3.43% by Q3 2025. That's defintely a sign of effective asset management.

Local market expertise in Louisiana for tailored solutions

Red River Bancshares, Inc. focuses its network across central and northern Louisiana and eastern Texas, ensuring decisions are made close to the customer. They are actively expanding this local footprint.

• Opened a loan and deposit production office in the Pinhook Tower building in Lafayette, Louisiana, during the third quarter of 2025.
• The company emphasized economic development in Louisiana, leading to new corporate expansion announcements in Q1 2025.
• The average health care loan size was $378,000 as of June 30, 2025.

Convenient, unified digital banking experience across all channels

You get the local touch without sacrificing modern access. They completed significant upgrades to their digital banking systems in the first quarter of 2025, providing a unified experience.

Digital capabilities allow customers to access account information, transfer funds, and manage finances securely around the clock using online and mobile platforms. They explicitly state they do not use borrowings, brokered deposits, or internet-sourced deposits, keeping funding local.

Red River Bancshares, Inc. (RRBI) - Canvas Business Model: Customer Relationships

You're focused on building deep, lasting ties with clients in Louisiana, which is clear from Red River Bancshares, Inc.'s stated strategy as of late 2025. The bank is actively focused on expanding its team to support this, noting a focus on adding experienced relationship bankers during the first quarter of 2025. Customers are explicitly seeking out banking relationships with bankers who are knowledgeable and responsive, and Red River Bancshares, Inc. is responding by adding to that team to grow market share.

The core of the service model is definitely high-touch and personal, aiming for those long-term relationships. This isn't just talk; the bank is committed to providing personalized banking services to its customers. You see this commitment reflected in the steady focus on returning value, evidenced by the third quarter of 2025 cash dividend being set at $0.15 per common share, which represented a 25.0% increase from the $0.12 paid in the first and second quarters of 2025. The book value per share stood at $53.42 as of September 30, 2025, showing a solid foundation supporting these relationships.

Community engagement and local economic development are central to how Red River Bancshares, Inc. connects. There has been an expanded emphasis and renewed effort on economic development throughout Louisiana, which has resulted in various new and significant corporate expansion announcements for projects across the state. The bank is clearly rooted locally, with its total employee count at 375 as of March 31, 2025. The commercial focus is evident in the loan book; for instance, Commercial Real Estate loans are collateralized mainly in Louisiana, with an average CRE loan size of $960,000 as of June 30, 2025. They are keeping the relationship focus tight, even while managing a loan portfolio held for investment of $2.17 billion as of September 30, 2025.

Still, the bank knows modern clients expect digital ease. Red River Bank upgraded its online, mobile banking, and bill payment systems during the first quarter of 2025 specifically to improve digital services for all customers. This blend of high-touch bankers and improved digital tools is the current approach. The bank had $1.14 billion in assets under management as of March 31, 2025, suggesting a significant portion of the customer base uses their digital wealth management tools as well.

For direct support, the customer service representatives are part of the overall team structure. The total number of employees across the organization was 375 at the end of the first quarter of 2025. This team supports the entire client base, which is managing assets totaling $3.17 billion as of June 30, 2025.

Here's a quick look at the scale of the balance sheet supporting these customer relationships as of mid-to-late 2025:

Metric	Amount/Value	Date
Loans Held for Investment (HFI)	$2.17 billion	September 30, 2025
Total Assets	$3.17 billion	June 30, 2025
Total Deposits	$2.84 billion	September 30, 2025
Total Employees	375	March 31, 2025
Assets Under Management	$1.14 billion	March 31, 2025

Finance: draft 13-week cash view by Friday.

Red River Bancshares, Inc. (RRBI) - Canvas Business Model: Channels

You're looking at how Red River Bancshares, Inc. gets its value proposition to the customer base across Louisiana. The physical footprint remains central, but the digital layer is clearly getting attention.

The core physical distribution network is anchored by a significant presence across key Louisiana Metropolitan Statistical Areas (MSAs). As of the third quarter of 2025, Red River Bank operates a network of 28 banking centers throughout Louisiana. This network covers major regions including Central (Alexandria MSA), Northwest (Shreveport-Bossier City MSA), Capital (Baton Rouge MSA), Southwest (Lake Charles MSA), Northshore (Covington), Acadiana (Lafayette MSA), and New Orleans.

Beyond the full-service centers, Red River Bancshares, Inc. utilizes specialized production offices to drive specific business lines. As of late 2025, the company maintains two combined loan and deposit production offices. One is located in New Orleans, Louisiana, and the other is in Lafayette, Louisiana, which opened in the Pinhook Tower building in the third quarter of 2025.

The digital channel saw investment activity early in the year. Red River Bancshares completed significant upgrades to its digital banking systems in the first quarter of 2025, covering both consumer and commercial offerings.

The scale of the operation supporting these channels can be seen in the overall employee base. As of March 31, 2025, Red River Bancshares, Inc. reported a total employee count of 375.

Here is a breakdown of the key physical and operational channel metrics as of the third quarter of 2025:

Channel Component	Metric Type	Value as of Late 2025
Physical Banking Centers	Count	28
Combined Loan/Deposit Offices	Count	2
New Orleans Office Type	Function	Loan and Deposit Production
Lafayette Office Opening	Date	Q3 2025
Loans Held for Investment (HFI)	Financial Amount (as of 9/30/2025)	$2.17 billion
Total Employees	Statistical Count (as of 3/31/2025)	375

Access points for transactional banking are supported by the ATM and debit card network. While specific network size isn't detailed, the bank provides access through its physical locations and the broader network.

For commercial lending, Red River Bancshares, Inc. relies on a direct sales force approach, focusing on adding experienced relationship bankers to grow its presence in existing and newer markets. The output from this channel is substantial, with loans held for investment reaching $2.17 billion as of September 30, 2025.

The physical channel strategy is segmented across specific geographic markets:

• Central (Alexandria MSA)
• Northwest (Shreveport-Bossier City MSA)
• Capital (Baton Rouge MSA)
• Southwest (Lake Charles MSA)
• Northshore (Covington)
• Acadiana (Lafayette MSA)
• New Orleans Metro Area

Red River Bancshares, Inc. (RRBI) - Canvas Business Model: Customer Segments

You're looking at the core groups Red River Bancshares, Inc. (RRBI) serves to generate its revenue and deposits. This isn't just a list; it's who holds the money on their balance sheet.

Retail (Consumer) customers in Louisiana markets form a significant base for both deposits and loans. As of June 30, 2025, total loans held for investment (HFI) stood at $2.138580 billion. Consumer deposits are a key funding source, though specific segment breakdowns for loans are less granular in the latest reports compared to deposits.

Commercial businesses, including small and mid-sized enterprises (SMEs), are targeted for credit and treasury management services. Red River Bancshares, Inc. specifically targets privately-owned commercial and industrial operating companies. Deposits from commercial customers saw higher balances as of March 31, 2025, contributing to the total deposits of $2.83 billion on that date. The bank's largest industry concentration within its loan portfolio as of June 30, 2025, was health care loans, representing 8.0% of loans HFI.

Public entity customers (municipalities, state agencies) provide important, though sometimes seasonal, funding. As of March 31, 2025, the increase in total deposits was partially offset by the seasonal outflow of funds from public entity customers.

For high-net-worth individuals for wealth management and trust services, Red River Bancshares, Inc. offers a comprehensive suite of products alongside its core banking. While specific AUM (Assets Under Management) figures for this segment aren't explicitly broken out in the latest public filings, these services are a stated part of their integrated offering, supporting long-term customer relationships.

The Shareholders segment is critical for capital structure and market perception. Based on recent filings, institutional ownership for Red River Bancshares, Inc. was reported at approximately 28.18% of shares outstanding, with major holders including BlackRock, Inc. and Vanguard Group Inc. The total shares outstanding for Red River Bancshares, Inc. was approximately 6.76 million, with a float of about 5.06 million shares as of late 2025 data points. The stock price as of November 14, 2025, was $67.44 per share.

Here's a quick look at the scale of the customer funding base as of mid-2025:

Customer/Metric Category	Financial Amount/Percentage (Latest Available 2025 Data)	Date Reference
Total Deposits	$2.81 billion	June 30, 2025
Total Loans Held for Investment (HFI)	$2.138580 billion	June 30, 2025
Consumer Deposits/Loans (as proxy for Retail)	Consumer deposits saw higher balances	March 31, 2025
Commercial Deposits (as proxy for SME)	Commercial customer deposit accounts saw higher balances	March 31, 2025
Institutional Shareholder Ownership	28.18%	Late 2025 Data
Health Care Loans (Largest Industry Concentration)	8.0% of loans HFI	June 30, 2025

The operational focus on these segments is supported by a team of 375 total employees as of March 31, 2025. The bank is definitely focused on its core Louisiana markets.

• Retail/Consumer segment is served across approximately 27 banking centers throughout Louisiana.
• Commercial clients receive customized service for credit and treasury management.
• Public entity deposits are subject to seasonal outflow patterns.
• The bank had 241 institutional owners and shareholders filing with the SEC.
• The quarterly cash dividend paid in Q2 2025 was $0.12 per common share.

Finance: draft 13-week cash view by Friday.

Red River Bancshares, Inc. (RRBI) - Canvas Business Model: Cost Structure

You're looking at the core expenses for Red River Bancshares, Inc. (RRBI) as of early 2025. For a bank holding company, the cost structure is heavily weighted toward personnel and the cost of funds, which is interest expense. We can map out the key components based on the First Quarter 2025 filings.

Personnel expenses were a significant outlay, totaling $10.0 million for the first quarter of 2025. That figure reflected an increase from the prior quarter, driven by adding staff-head count went from 369 at the end of 2024 to 375 as of March 31, 2025. By the second quarter, with annual raises factored in, personnel expenses rose again to $10.2 million with 374 employees as of June 30, 2025.

Managing the interest expense on deposits is definitely a focus area for RRBI. The management team noted they were focused on managing the cost of deposits while improving the net interest margin (NIM). In Q1 2025, this focus paid off with a $745,000 decrease in interest expense compared to the fourth quarter of 2024, which they attributed primarily to lower rates on time deposits. The NIM improvement to 3.22% in Q1 2025 was partly due to these lower deposit rates.

The overall operating expenses, which we often call noninterest expenses, totaled $16,588 thousand (or $16.6 million) for the first quarter of 2025. This figure bundles several key operational costs you asked about, so let's break down the major components from that quarter.

Here's a quick look at the main expense categories for Q1 2025 (all figures in thousands):

Expense Category	Q1 2025 Amount (in thousands)
Personnel expenses	10,023
Occupancy and equipment expenses	1,794
Technology expenses	835
Data processing expense	288
Other operating expenses	1,060
Total Operating Expenses	16,588

The costs associated with the digital platform are captured in technology and data processing. For Q1 2025, Technology expenses were $835 thousand, and Data processing expense was $288 thousand. You should note that Red River Bancshares, Inc. completed significant upgrades to its digital banking systems during that same quarter.

For physical footprint costs, Occupancy and equipment expenses were $1,794 thousand in the first quarter of 2025. This expense supports the network of 28 banking centers Red River Bank operates throughout Louisiana, plus their combined loan and deposit production offices in New Orleans and Lafayette.

Beyond those primary items, other key operating costs for Q1 2025 included:

• Legal and professional expenses: $632 thousand
• Other taxes: $612 thousand
• Regulatory assessment expenses: $391 thousand
• Advertising: $333 thousand

The total operating expenses figure of $16,588 thousand benefited from approximately $620,000 in periodic items that reduced the expense base for that quarter.

Red River Bancshares, Inc. (RRBI) - Canvas Business Model: Revenue Streams

You're looking at the core ways Red River Bancshares, Inc. brings in money, which, as you'd expect for a bank holding company, is heavily weighted toward interest income. Honestly, the story here is about managing the balance sheet to maximize the spread between what they earn on assets and what they pay on liabilities.

The primary driver is Net Interest Income (NII), which was reported at $25.8 million for the second quarter of 2025. That figure represented a 4.9% increase, or $1.2 million, over the first quarter of 2025, driven by higher yields on both securities and loans, coupled with a lower cost of deposits. The net interest margin (FTE) for Q2 2025 hit 3.36%. By the third quarter of 2025, NII increased again by $1.1 million over Q2 2025.

The interest-earning assets that generate this income are substantial, and you can see the growth trend in the loan book as of late 2025. Here's a quick look at the asset bases feeding the interest engine:

Asset Category	Balance as of June 30, 2025	Balance as of September 30, 2025
Loans Held for Investment (HFI)	$2.14 billion	$2.17 billion
Total Securities	$697.3 million	$764.6 million
Equity Securities (CRA Mutual Fund)	$3.0 million	Data not explicitly stated for Q3 balance

Interest income from Loans Held for Investment is a major component. As of September 30, 2025, the balance of Loans HFI stood at $2.17 billion, up from $2.14 billion at the end of Q2 2025. The yield on loans increased by 9 basis points in Q2 2025 compared to the prior quarter, with the average rate on new and renewed loans at 7.14% for Q2 2025.

Next up is Interest and dividend income from securities portfolio. The total securities balance grew to $764.6 million by September 30, 2025. In Q2 2025, the yield on securities increased by 12 basis points, largely because the company was reinvesting cash flows from maturing securities into higher-yielding ones.

Red River Bancshares, Inc. also pulls in revenue from non-interest sources, though these can be more variable. You should track these ancillary streams:

• Non-interest income from service charges and fees: This stream saw a dip in Q2 2025, specifically a $554,000 decrease compared to Q1 2025.
• General Non-interest Income: Total revenue for Q2 2025 was reported at $30.54 million, meaning non-interest income was approximately $4.74 million ($30.54M NII - $25.8M NII).

Finally, there's specialized income from partnerships. For the third quarter of 2025, Red River Bancshares, Inc. reported $253,000 in nonrecurring partnership income, specifically from the JAM FINTOP partnership. This type of income is definitely something to watch quarter-to-quarter; it's not a steady base, but it certainly helped Q3 net income. Finance: draft 13-week cash view by Friday.