Red River Bancshares, Inc. (RRBI): Lienzo de Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Red River Bancshares, Inc. (RRBI), una institución financiera dinámica que ha creado meticulosamente su modelo de negocio para satisfacer las necesidades bancarias únicas de las comunidades de Louisiana y Texas. Al tejer juntos la infraestructura digital innovadora, las relaciones personalizadas de los clientes y un profundo compromiso con el desarrollo económico local, RRBI se ha posicionado como una potencia bancaria regional ágil y receptiva que va mucho más allá de los servicios financieros tradicionales. Esta exploración de su lienzo de modelo de negocio revela las intrincadas estrategias que permiten a RRBI ofrecer un valor excepcional a diversos segmentos de clientes mientras mantienen un ecosistema financiero robusto y adaptable.

Red River Bancshares, Inc. (RRBI) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales en Louisiana y Texas

Red River Bancshares mantiene asociaciones estratégicas con asociaciones comerciales locales en Louisiana y Texas.

Nombre de la asociación	Ubicación	Enfoque de asociación
Asociación de banqueros de Louisiana	Baton Rouge, LA	Cumplimiento regulatorio y redes
Asociación de Banqueros de Texas	Austin, TX	Desarrollo y promoción de negocios

Proveedores de servicios financieros regionales

El banco colabora con múltiples proveedores de servicios financieros regionales para mejorar sus capacidades operativas.

• Banco federal de préstamos hipotecarios de Dallas
• Asociación Independiente de Banqueros de América
• Visa y redes de pago MasterCard

Proveedores de tecnología para software bancario

Red River Bancshares se asocia con proveedores de tecnología especializados para mantener una infraestructura digital robusta.

Proveedor	Solución tecnológica	Inversión anual
Jack Henry & Asociado	Plataforma bancaria central	$ 1.2 millones
Fiserv	Soluciones de banca digital	$750,000

Empresas de seguros e inversiones

Las asociaciones estratégicas con empresas de seguros e inversiones brindan servicios financieros integrales.

• Prudencial Financiero
• MetLife
• Raymond James Financial

Organizaciones de desarrollo comunitario

Red River Bancshares se involucra activamente con las organizaciones de desarrollo comunitario para apoyar el crecimiento económico local.

Organización	Impacto de la comunidad	Contribución anual
Desarrollo económico de Louisiana	Soporte de pequeñas empresas	$250,000
Capital de la comunidad de Texas	Iniciativas de desarrollo económico	$180,000

Red River Bancshares, Inc. (RRBI) - Modelo de negocios: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Red River Bancshares mantuvo $ 2.48 mil millones en activos totales y $ 2.16 mil millones en préstamos totales. El banco opera 32 ubicaciones de sucursales en Louisiana.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 1.42 mil millones
Préstamos personales	$ 740 millones
Cuentas de depósito total	$ 2.16 mil millones

Originación y procesamiento de préstamos

El banco procesó aproximadamente 4,872 solicitudes de préstamos en 2023, con una tasa de aprobación del 68%.

• Tamaño promedio del préstamo comercial: $ 352,000
• Tamaño promedio del préstamo personal: $ 184,500
• Tiempo de procesamiento de préstamos: promedio de 7-10 días hábiles

Gestión de la plataforma de banca digital

Las plataformas de banca digital respaldadas por Red River Bancshares incluyen servicios de banca en línea y móvil.

Métricas de plataforma digital	2023 estadísticas
Usuarios bancarios en línea activos	42,650
Descargas de aplicaciones de banca móvil	28,375
Volumen de transacción digital	1,2 millones de transacciones

Gestión de riesgos y cumplimiento

Red River Bancshares mantiene un Relación de capital de nivel 1 del 14,2% Al 31 de diciembre de 2023.

• Personal de cumplimiento: 18 profesionales a tiempo completo
• Horas de capacitación de cumplimiento anual: 1.872
• Frecuencia de examen regulatorio: anual

Servicios de cuenta de clientes

El banco administra diversos tipos de cuentas con enfoques especializados de servicio al cliente.

Tipo de cuenta	Cuentas totales	Saldo de cuenta promedio
Cuentas corrientes	52,400	$8,750
Cuentas de ahorro	38,250	$14,600
Cuentas comerciales	6,875	$42,300

Red River Bancshares, Inc. (RRBI) - Modelo de negocios: recursos clave

Red bancaria regional fuerte

A partir del cuarto trimestre de 2023, Red River Bancshares opera 37 lugares bancarios en Louisiana. El total de los activos bancarios alcanzaron los $ 4.23 mil millones con una presencia en el mercado regional concentrada en el centro y sudeste de Louisiana.

Métrico de red	Valor cuantitativo
Ubicaciones bancarias totales	37
Activos bancarios totales	$ 4.23 mil millones
Enfoque geográfico primario	Luisiana

Equipo de gestión experimentado

Equipo de liderazgo con una experiencia bancaria promedio de 22 años, incluidos ejecutivos con múltiples décadas de experiencia en la banca regional.

• CEO John Ransom: Experiencia bancaria de 28 años
• CFO Bruce Reed: 24 años de antecedentes de servicios financieros
• Director de crédito: 19 años de experiencia en gestión de riesgos

Infraestructura de banca digital avanzada

Soporte de plataforma digital $ 1.2 mil millones en la transacción digital volúmenes anuales con penetración de banca móvil al 68% de la base de clientes.

Cartera de préstamos diversificados

Categoría de préstamo	Porcentaje de cartera	Volumen total
Préstamos comerciales	42%	$ 1.78 mil millones
Hipotecas residenciales	28%	$ 1.19 mil millones
Préstamos al consumo	20%	$ 850 millones
Préstamos agrícolas	10%	$ 424 millones

Base de capital financiero robusto

Relación de capital de nivel 1: 13.4% Relación total de capital basado en el riesgo: 14.7% Equidad de los accionistas: $ 492 millones

Red River Bancshares, Inc. (RRBI) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Red River Bancshares sirvió 18 parroquias en Louisiana con activos totales de $ 2.76 mil millones. El banco opera 33 ubicaciones de sucursales específicamente dirigidas a las necesidades bancarias comunitarias locales.

Segmento de mercado	Número de clientes	Valor de cuenta promedio
Banca personal	42,156	$87,500
Pequeño negocio	3,287	$215,000
Banca comercial	612	$1,350,000

Tasas de interés competitivas y productos financieros

Tasas de interés para productos clave a partir de enero de 2024:

• Cuentas de ahorro personal: 3.25% APY
• Cuentas del mercado monetario: 4.15% APY
• Certificado de depósito (12 meses): 4.75% APY
• Préstamos de capital para el hogar: a partir del 6.25% APR

Procesamiento de préstamos rápido y eficiente

Métricas de procesamiento de préstamos para 2023:

Tipo de préstamo	Tiempo de procesamiento promedio	Tasa de aprobación
Préstamos personales	2.3 días	78%
Préstamos comerciales	5.7 días	62%
Préstamos hipotecarios	14.5 días	65%

Servicios integrales de banca digital y móvil

Estadísticas de participación bancaria digital para 2023:

• Usuarios de banca móvil: 61,500
• Usuarios bancarios en línea: 54,200
• Descargas de aplicaciones móviles: 22,800
• Volumen de transacciones digitales: 3.2 millones de transacciones

Foco de servicio al cliente fuerte y relación local

Métricas de satisfacción y retención del cliente:

Métrico	2023 rendimiento
Tasa de retención de clientes	87.5%
Puntuación de satisfacción del cliente	4.6/5.0
Promedio de la tenencia del cliente	8.3 años

Red River Bancshares, Inc. (RRBI) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personalizadas

A partir del cuarto trimestre de 2023, Red River Bancshares mantiene 34 lugares bancarios en Louisiana. El banco atiende a aproximadamente 96,000 cuentas de clientes con un enfoque personalizado para la gestión de relaciones.

Métrica de relación con el cliente	2023 datos
Cuentas totales de clientes	96,000
Número de ubicaciones bancarias	34
Tasa promedio de retención de clientes	87.5%

Interacciones en la rama en persona

Red River Bancshares enfatiza las interacciones directas de los clientes a través de su red de sucursales físicas.

• Personal promedio de la sucursal por ubicación: 7-9 empleados
• Interacciones del cliente promedio de la rama diaria: 65-85 clientes
• Horario extendido en ramas seleccionadas para acomodar los horarios de los clientes

Canales de atención al cliente digital

El banco ofrece soluciones de banca digital integrales con las siguientes métricas de participación digital:

Canal digital	2023 Estadísticas de uso
Usuarios de banca móvil	62,400
Usuarios bancarios en línea	48,000
Volumen de transacción digital	1,2 millones de transacciones mensuales

Programas de participación comunitaria

Red River Bancshares invirtió $ 375,000 en iniciativas de desarrollo y compromiso de la comunidad local en 2023.

• Programas de patrocinio locales: 42 eventos comunitarios
• Talleres de educación financiera: 18 sesiones
• Programas de soporte de pequeñas empresas: $ 1.5 millones en subvenciones comerciales locales

Servicios de asesoramiento financiero a medida

El banco ofrece servicios de asesoramiento financiero especializados en múltiples segmentos:

Categoría de servicio de asesoramiento	Total de clientes	Tarifa de asesoramiento promedio
Gestión de patrimonio personal	3.200 clientes	0.75% de los activos
Aviso de banca comercial	1.100 clientes comerciales	$ 1,200 anualmente
Planificación de jubilación	2.500 clientes	$ 800- $ 1,500 por consulta

Red River Bancshares, Inc. (RRBI) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir de 2023, Red River Bancshares opera 33 oficinas de banca de servicio completo ubicados principalmente en Louisiana.

Estado	Número de ramas
Luisiana	33

Plataforma bancaria en línea

Red River Bancshares ofrece servicios de banca en línea integrales con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

El banco ofrece una aplicación de banca móvil con las siguientes capacidades:

• Depósito de cheque móvil
• Seguimiento del saldo de la cuenta
• Historial de transacciones
• Controles de tarjetas

Servicios de banca telefónica

Red River Bancshares ofrece soporte de banca telefónica 24/7 con servicios automatizados y acceso representativo al cliente.

Red de cajeros automáticos

Tipo de cajero automático	Número
Total de red de cajeros automáticos	40
Cajeros automáticos	33
ATMS de socios de red	7

Red River Bancshares, Inc. (RRBI) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Red River Bancshares atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en Luisiana. Cartera total de préstamos comerciales: $ 487.3 millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,125	$275,000
Servicios profesionales	875	$412,000
Fabricación	650	$589,000

Consumidores individuales locales

El segmento de banca de consumo incluye 42,650 titulares de cuentas individuales. Depósitos de consumo totales: $ 612.4 millones.

• Cuentas corrientes personales: 28,375
• Cuentas de ahorro: 22,100
• Clientes de préstamos personales: 6,225

Clientes del sector agrícola

Portafolio de préstamos agrícolas: $ 156.2 millones, que atiende a 1,275 negocios agrícolas en Louisiana.

Subsector agrícola	Número de clientes	Monto promedio del préstamo
Cultivo de cultivos	625	$385,000
Ganado	425	$276,000
Silvicultura	225	$412,000

Proveedores de servicios profesionales

Servicios profesionales Base de clientes: 1.850 clientes. Préstamo total de servicios profesionales: $ 214.6 millones.

• Firmas legales: 425 clientes
• Prácticas médicas: 675 clientes
• Firmas de contabilidad: 350 clientes
• Empresas de consultoría: 400 clientes

Empresas comerciales regionales

Segmento de banca comercial: 875 clientes empresariales. Cartera total de préstamos comerciales e industriales: $ 356.7 millones.

Tipo de empresa	Número de clientes	Tamaño promedio del préstamo
Construcción	275	$675,000
Bienes raíces	325	$892,000
Servicios de energía	175	$1,250,000

Red River Bancshares, Inc. (RRBI) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

A partir del informe anual de 2023, Red River Bancshares reportó gastos totales de compensación de empleados de $ 23.4 millones.

Categoría de gastos	Monto ($)
Salarios	18,600,000
Beneficios para empleados	4,800,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2023 totalizaron $ 5.2 millones.

• Mantenimiento de hardware de TI: $ 1.7 millones
• Licencias de software: $ 2.3 millones
• Sistemas de ciberseguridad: $ 1.2 millones

Gastos de cumplimiento regulatorio

Los costos relacionados con el cumplimiento para 2023 fueron de $ 3.6 millones.

Área de cumplimiento	Gasto ($)
Tarifas legales y de auditoría	2,100,000
Informes regulatorios	1,500,000

Costos de operación de sucursal

Los gastos operativos de la sucursal total para 2023 alcanzaron los $ 7.8 millones.

• Alquiler y ocupación: $ 3.5 millones
• Utilidades: $ 1.2 millones
• Mantenimiento de la sucursal: $ 3.1 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 2.9 millones.

Canal de marketing	Gastar ($)
Marketing digital	1,200,000
Publicidad tradicional	900,000
Campañas de adquisición de clientes	800,000

Red River Bancshares, Inc. (RRBI) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Red River Bancshares reportó ingresos por intereses totales de $ 110.4 millones. El desglose de la cartera de préstamos al 31 de diciembre de 2023 era:

Categoría de préstamo	Monto total ($)	Porcentaje
Préstamos comerciales	$456,789,000	42%
Préstamos inmobiliarios	$378,456,000	35%
Préstamos al consumo	$245,678,000	23%

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 18.3 millones, con la siguiente estructura de tarifas:

• Tarifas de mantenimiento de la cuenta: $ 5.6 millones
• Tarifas de transacción: $ 7.2 millones
• Tarifas de cajeros automáticos y tarjetas de débito: $ 3.5 millones
• Otros servicios bancarios: $ 2 millones

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión para 2023 alcanzaron los $ 12.7 millones, con activos bajo administración de $ 524 millones.

Tipo de servicio	Ingresos ($)
Aviso financiero	$ 6.3 millones
Gestión de cartera	$ 4.2 millones
Planificación de jubilación	$ 2.2 millones

Tarifas de transacción bancaria digital

Los ingresos bancarios digitales en 2023 fueron de $ 4.5 millones, con:

• Transacciones bancarias en línea: 2.1 millones
• Transacciones bancarias móviles: 3.4 millones
• Procesamiento de pagos digitales: $ 1.8 millones

Servicios de hipoteca y refinanciación

Los ingresos relacionados con la hipoteca para 2023 totalizaron $ 22.6 millones:

Servicio hipotecario	Volumen total ($)	Ingresos ($)
Nuevas originaciones de hipotecas	$245,678,000	$ 15.3 millones
Refinanciación	$89,456,000	$ 7.3 millones

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.