Red River Bancshares, Inc. (RRBI): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Red River Bancshares, Inc. (RRBI), une institution financière dynamique qui a méticuleusement conçu son modèle commercial pour répondre aux besoins bancaires uniques de la Louisiane et des communautés du Texas. En tissant ensemble des infrastructures numériques innovantes, des relations client personnalisées et un engagement profond envers le développement économique local, RRBI s'est positionné comme une puissance bancaire régionale agile et réactive qui va bien au-delà des services financiers traditionnels. Cette exploration de leur toile de modèle commercial révèle les stratégies complexes qui permettent à RRBI d'offrir une valeur exceptionnelle à divers segments de clients tout en maintenant un écosystème financier robuste et adaptable.

Red River Bancshares, Inc. (RRBI) - Modèle commercial: partenariats clés

Associations d'entreprises locales en Louisiane et au Texas

Red River Bancshares maintient des partenariats stratégiques avec des associations commerciales locales de la Louisiane et du Texas.

Nom d'association	Emplacement	Focus de partenariat
Louisiana Bankers Association	Baton Rouge, LA	Conformité et réseautage réglementaires
Texas Bankers Association	Austin, TX	Développement des entreprises et plaidoyer

Fournisseurs de services financiers régionaux

La banque collabore avec plusieurs fournisseurs de services financiers régionaux pour améliorer ses capacités opérationnelles.

• Banque fédérale de prêts immobiliers de Dallas
• Association indépendante des banquiers d'Amérique
• Réseaux de paiement Visa et MasterCard

Vendeurs technologiques pour les logiciels bancaires

Red River Bancshares s'associe à des fournisseurs de technologie spécialisés pour maintenir une infrastructure numérique robuste.

Fournisseur	Solution technologique	Investissement annuel
Jack Henry & Associés	Plateforme bancaire de base	1,2 million de dollars
Finerv	Solutions bancaires numériques	$750,000

Sociétés d'assurance et d'investissement

Les partenariats stratégiques avec les sociétés d'assurance et d'investissement fournissent des services financiers complets.

• Financier prudentiel
• Métlife
• Raymond James Financial

Organisations de développement communautaire

Red River Bancshares s'engage activement avec des organisations de développement communautaire pour soutenir la croissance économique locale.

Organisation	Impact communautaire	Contribution annuelle
Développement économique de la Louisiane	Soutien aux petites entreprises	$250,000
Texas Community Capital	Initiatives de développement économique	$180,000

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Au quatrième trimestre 2023, Red River Bancshares a maintenu 2,48 milliards de dollars d'actifs totaux et 2,16 milliards de dollars de prêts totaux. La banque exploite 32 succursales à travers la Louisiane.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	1,42 milliard de dollars
Prêts personnels	740 millions de dollars
Comptes de dépôt total	2,16 milliards de dollars

Origination et traitement du prêt

La Banque a traité environ 4 872 demandes de prêt en 2023, avec un taux d'approbation de 68%.

• Taille moyenne du prêt commercial: 352 000 $
• Taille moyenne du prêt personnel: 184 500 $
• Temps de traitement des prêts: moyenne 7 à 10 jours ouvrables

Gestion de la plate-forme bancaire numérique

Les plates-formes bancaires numériques soutenues par Red River Bancshares incluent les services bancaires en ligne et mobiles.

Métriques de plate-forme numérique	2023 statistiques
Utilisateurs bancaires en ligne actifs	42,650
Téléchargements d'applications bancaires mobiles	28,375
Volume de transaction numérique	1,2 million de transactions

Gestion des risques et conformité

Red River Bancshares maintient un Ratio de capital de niveau 1 de 14,2% Au 31 décembre 2023.

• Personnel de conformité: 18 professionnels à temps plein
• Heures de formation annuelle de conformité: 1 872
• Fréquence d'examen réglementaire: annuel

Services de compte client

La banque gère divers types de compte avec des approches spécialisées du service client.

Type de compte	Comptes totaux	Solde moyen du compte
Comptes chèques	52,400	$8,750
Comptes d'épargne	38,250	$14,600
Comptes d'entreprise	6,875	$42,300

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: Ressources clés

Réseau bancaire régional solide

Au quatrième trimestre 2023, Red River Bancshares exploite 37 sites bancaires à travers la Louisiane. Les actifs bancaires totaux ont atteint 4,23 milliards de dollars avec une présence régionale sur le marché concentré dans le centre et le sud-est de la Louisiane.

Métrique du réseau	Valeur quantitative
Emplacements bancaires totaux	37
Total des actifs bancaires	4,23 milliards de dollars
Focus géographique primaire	Louisiane

Équipe de gestion expérimentée

Équipe de direction avec une expérience bancaire moyenne de 22 ans, y compris des cadres avec plusieurs décennies d'expertise bancaire régionale.

• Le PDG John Ransom: 28 ans d'expérience bancaire
• CFO Bruce Reed: 24 ans de services financiers
• Directeur du crédit: 19 ans d'expertise en gestion des risques

Infrastructure bancaire numérique avancée

Plate-forme numérique 1,2 milliard de dollars Dans les volumes de transactions numériques chaque année avec une pénétration des banques mobiles à 68% de la clientèle.

Portefeuille de prêts diversifié

Catégorie de prêt	Pourcentage de portefeuille	Volume total
Prêts commerciaux	42%	1,78 milliard de dollars
Hypothèques résidentielles	28%	1,19 milliard de dollars
Prêts à la consommation	20%	850 millions de dollars
Prêts agricoles	10%	424 millions de dollars

Base de capital financier robuste

Ratio de capital de niveau 1: 13,4% Ratio de capital total basé sur les risques: 14,7% Présentation des actionnaires: 492 millions de dollars

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Red River Bancshares a servi 18 paroisses en Louisiane avec un actif total de 2,76 milliards de dollars. La banque exploite 33 succursales ciblant spécifiquement les besoins bancaires communautaires locaux.

Segment de marché	Nombre de clients	Valeur moyenne du compte
Banque personnelle	42,156	$87,500
Petite entreprise	3,287	$215,000
Banque commerciale	612	$1,350,000

Taux d'intérêt concurrentiels et produits financiers

Taux d'intérêt pour les produits clés à partir de janvier 2024:

• Comptes d'épargne personnels: 3,25% apy
• Comptes de marché monétaire: 4,15% apy
• Certificat de dépôt (12 mois): 4,75% APY
• Prêts à domicile: à partir de 6,25% APR

Traitement des prêts rapides et efficaces

Métriques de traitement des prêts pour 2023:

Type de prêt	Temps de traitement moyen	Taux d'approbation
Prêts personnels	2,3 jours	78%
Prêts commerciaux	5,7 jours	62%
Prêts hypothécaires	14,5 jours	65%

Services bancaires numériques et mobiles complets

Statistiques d'engagement des banques numériques pour 2023:

• Utilisateurs de la banque mobile: 61 500
• Utilisateurs bancaires en ligne: 54 200
• Téléchargements d'applications mobiles: 22,800
• Volume de transaction numérique: 3,2 millions de transactions

Service client solide et orientation locale

Métriques de satisfaction et de rétention du client:

Métrique	Performance de 2023
Taux de rétention de la clientèle	87.5%
Score de satisfaction du client	4.6/5.0
Mandat moyen des clients	8,3 ans

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: relations avec les clients

Gestion des relations personnalisées

Au quatrième trimestre 2023, Red River Bancshares maintient 34 emplacements bancaires à travers la Louisiane. La banque dessert environ 96 000 comptes clients avec une approche personnalisée de la gestion des relations.

Métrique de la relation client	2023 données
Comptes clients totaux	96,000
Nombre de lieux bancaires	34
Taux de rétention de clientèle moyen	87.5%

Interactions de branche en personne

Red River Bancshares met l'accent sur les interactions directes des clients à travers son réseau de succursale physique.

• Personnel de succursale moyen par emplacement: 7-9 employés
• Interactions moyennes du client de la succursale quotidienne: 65 à 85 clients
• Heures prolongées dans certaines succursales pour s'adapter aux horaires des clients

Canaux de support client numérique

La banque propose des solutions bancaires numériques complètes avec les mesures d'engagement numérique suivantes:

Canal numérique	2023 Statistiques d'utilisation
Utilisateurs de la banque mobile	62,400
Utilisateurs de la banque en ligne	48,000
Volume de transaction numérique	1,2 million de transactions mensuelles

Programmes d'engagement communautaire

Red River Bancshares a investi 375 000 $ dans des initiatives locales de développement communautaire et d'engagement en 2023.

• Programmes de parrainage local: 42 événements communautaires
• Ateliers de littératie financière: 18 séances
• Programmes de soutien aux petites entreprises: 1,5 million de dollars en subventions commerciales locales

Services de conseil financier sur mesure

La banque fournit des services de conseil financier spécialisés sur plusieurs segments:

Catégorie de service consultatif	Total des clients	Frais de conseil moyen
Gestion de la richesse personnelle	3 200 clients	0,75% des actifs
Advisory des banques d'affaires	1 100 clients commerciaux	1 200 $ par an
Planification de la retraite	2 500 clients	800 $ - 1 500 $ par consultation

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2023, Red River Bancshares exploite 33 bureaux bancaires à service complet principalement situés en Louisiane.

État	Nombre de branches
Louisiane	33

Plateforme bancaire en ligne

Red River Bancshares fournit des services bancaires en ligne complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Dispositions électroniques

Application bancaire mobile

La banque propose une application bancaire mobile avec les capacités suivantes:

• Dépôt de chèques mobiles
• Suivi du solde du compte
• Historique des transactions
• Commandes de carte

Services bancaires téléphoniques

Red River Bancshares fournit un support bancaire téléphonique 24/7 avec des services automatisés et un accès représentatif des clients.

Réseau ATM

Type de guichet automatique	Nombre
Réseau ATM total	40
ATM appartenant à des banques	33
ATM des partenaires de réseau	7

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Red River Bancshares dessert environ 3 750 clients commerciaux de petite à moyenne taille de la Louisiane. Portfolio total de prêts commerciaux: 487,3 millions de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,125	$275,000
Services professionnels	875	$412,000
Fabrication	650	$589,000

Consommateurs individuels locaux

Le segment de la banque de consommation comprend 42 650 titulaires de compte individuel. Total des dépôts de consommateurs: 612,4 millions de dollars.

• Comptes de chèques personnels: 28 375
• Comptes d'épargne: 22 100
• Clients de prêt personnel: 6 225

Clients du secteur agricole

Portefeuille de prêts agricoles: 156,2 millions de dollars, desservant 1 275 entreprises agricoles en Louisiane.

Sous-secteur agricole	Nombre de clients	Montant moyen du prêt
Agriculture des cultures	625	$385,000
Bétail	425	$276,000
Sylviculture	225	$412,000

Fournisseurs de services professionnels

Base de clientèle de services professionnels: 1 850 clients. Prêt total de services professionnels: 214,6 millions de dollars.

• Cirgins juridiques: 425 clients
• Pratiques médicales: 675 clients
• Cabinets comptables: 350 clients
• Sociétés de conseil: 400 clients

Entreprises commerciales régionales

Segment bancaire commercial: 875 clients d'entreprise. Portfolio total de prêts commerciaux et industriels: 356,7 millions de dollars.

Type d'entreprise	Nombre de clients	Taille moyenne du prêt
Construction	275	$675,000
Immobilier	325	$892,000
Services énergétiques	175	$1,250,000

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: Structure des coûts

Compensation et avantages sociaux des employés

À partir du rapport annuel de 2023, Red River Bancshares a déclaré des frais totaux de rémunération des employés de 23,4 millions de dollars.

Catégorie de dépenses	Montant ($)
Salaires	18,600,000
Avantages sociaux	4,800,000

Maintenance de technologie et d'infrastructure

Les coûts d'infrastructure technologique pour 2023 ont totalisé 5,2 millions de dollars.

• Maintenance du matériel informatique: 1,7 million de dollars
• Licence logicielle: 2,3 millions de dollars
• Systèmes de cybersécurité: 1,2 million de dollars

Frais de conformité réglementaire

Les coûts liés à la conformité pour 2023 étaient de 3,6 millions de dollars.

Zone de conformité	Dépenses ($)
Frais juridiques et d'audit	2,100,000
Représentation réglementaire	1,500,000

Coûts d'exploitation de la succursale

Les dépenses opérationnelles de la succursale totale pour 2023 ont atteint 7,8 millions de dollars.

• Loyer et occupation: 3,5 millions de dollars
• Services publics: 1,2 million de dollars
• Entretien des succursales: 3,1 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 2,9 millions de dollars.

Canal de marketing	Dépenser ($)
Marketing numérique	1,200,000
Publicité traditionnelle	900,000
Campagnes d'acquisition de clients	800,000

Red River Bancshares, Inc. (RRBI) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, Red River Bancshares a déclaré un revenu total d'intérêts de 110,4 millions de dollars. La rupture du portefeuille de prêts au 31 décembre 2023 était:

Catégorie de prêt	Montant total ($)	Pourcentage
Prêts commerciaux	$456,789,000	42%
Prêts immobiliers	$378,456,000	35%
Prêts à la consommation	$245,678,000	23%

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 18,3 millions de dollars, avec la structure des frais suivants:

• Frais de maintenance du compte: 5,6 millions de dollars
• Frais de transaction: 7,2 millions de dollars
• Frais de carte ATM et de débit: 3,5 millions de dollars
• Autres services bancaires: 2 millions de dollars

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement pour 2023 ont atteint 12,7 millions de dollars, avec des actifs sous gestion de 524 millions de dollars.

Type de service	Revenus ($)
Avis financier	6,3 millions de dollars
Gestion du portefeuille	4,2 millions de dollars
Planification de la retraite	2,2 millions de dollars

Frais de transaction bancaire numérique

Les revenus bancaires numériques en 2023 étaient de 4,5 millions de dollars, avec:

• Transactions bancaires en ligne: 2,1 millions
• Transactions bancaires mobiles: 3,4 millions
• Traitement des paiements numériques: 1,8 million de dollars

Services hypothécaires et refinancement

Les revenus liés aux hypothèques pour 2023 ont totalisé 22,6 millions de dollars:

Service hypothécaire	Volume total ($)	Revenus ($)
Nouvelles origines hypothécaires	$245,678,000	15,3 millions de dollars
Refinancement	$89,456,000	7,3 millions de dollars

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.