Red River Bancshares, Inc. (RRBI): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Red River Bancshares, Inc. (RRBI), uma instituição financeira dinâmica que criou meticulosamente seu modelo de negócios para atender às necessidades bancárias exclusivas das comunidades da Louisiana e do Texas. Ao tecer uma infraestrutura digital inovadora, relacionamentos personalizados do cliente e um profundo compromisso com o desenvolvimento econômico local, o RRBI se posicionou como uma potência bancária regional ágil e responsiva que vai muito além dos serviços financeiros tradicionais. Essa exploração de seu modelo de negócios Canvas revela as intrincadas estratégias que permitem que o RRBI ofereça valor excepcional a diversos segmentos de clientes, mantendo um ecossistema financeiro robusto e adaptável.

Red River Bancshares, Inc. (RRBI) - Modelo de negócios: Parcerias -chave

Associações comerciais locais na Louisiana e Texas

A Red River Bancshares mantém parcerias estratégicas com associações comerciais locais na Louisiana e no Texas.

Nome da associação	Localização	Foco em parceria
Associação de Banqueiros da Louisiana	Baton Rouge, la	Conformidade regulatória e rede
Associação de Banqueiros do Texas	Austin, TX	Desenvolvimento de negócios e defesa

Provedores de serviços financeiros regionais

O banco colabora com vários provedores regionais de serviços financeiros para aprimorar suas capacidades operacionais.

• Banco Federal de Empréstimos à habitação de Dallas
• Associação Independente de Banqueiros da América
• Redes de pagamento Visa e MasterCard

Fornecedores de tecnologia para software bancário

A Red River Bancshares faz parceria com fornecedores de tecnologia especializados para manter a infraestrutura digital robusta.

Fornecedor	Solução tecnológica	Investimento anual
Jack Henry & Associados	Plataforma bancária principal	US $ 1,2 milhão
Fiserv	Soluções bancárias digitais	$750,000

Empresas de seguros e investimentos

Parcerias estratégicas com empresas de seguros e investimentos fornecem serviços financeiros abrangentes.

• Prudential Financial
• MetLife
• Raymond James Financial

Organizações de desenvolvimento comunitário

O Red River Bancshares se envolve ativamente com organizações de desenvolvimento comunitário para apoiar o crescimento econômico local.

Organização	Impacto da comunidade	Contribuição anual
Desenvolvimento Econômico da Louisiana	Suporte para pequenas empresas	$250,000
Capital comunitário do Texas	Iniciativas de desenvolvimento econômico	$180,000

Red River Bancshares, Inc. (RRBI) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

No quarto trimestre 2023, o Red River Bancshares manteve US $ 2,48 bilhões em ativos totais e US $ 2,16 bilhões em empréstimos totais. O Banco opera 32 localizações de filiais em toda a Louisiana.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 1,42 bilhão
Empréstimos pessoais	US $ 740 milhões
Contas totais de depósito	US $ 2,16 bilhões

Origem e processamento de empréstimos

O banco processou aproximadamente 4.872 pedidos de empréstimo em 2023, com uma taxa de aprovação de 68%.

• Tamanho médio de empréstimo comercial: US $ 352.000
• Tamanho médio do empréstimo pessoal: US $ 184.500
• Tempo de processamento de empréstimo: média de 7 a 10 dias úteis

Gerenciamento de plataforma bancária digital

As plataformas bancárias digitais suportadas pela Red River Bancshares incluem serviços bancários online e móveis.

Métricas de plataforma digital	2023 Estatísticas
Usuários bancários online ativos	42,650
Downloads de aplicativos bancários móveis	28,375
Volume de transação digital	1,2 milhão de transações

Gerenciamento de riscos e conformidade

Red River Bancshares mantém um Índice de capital de Nível 1 de 14,2% em 31 de dezembro de 2023.

• Equipe de conformidade: 18 profissionais em tempo integral
• Horário anual de treinamento de conformidade: 1.872
• Frequência do exame regulatório: anual

Serviços de conta do cliente

O banco gerencia diversos tipos de conta com abordagens especializadas de atendimento ao cliente.

Tipo de conta	Contas totais	Saldo médio da conta
Contas de verificação	52,400	$8,750
Contas de poupança	38,250	$14,600
Contas de negócios	6,875	$42,300

Red River Bancshares, Inc. (RRBI) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional

A partir do quarto trimestre 2023, o Red River Bancshares opera 37 locais bancários em toda a Louisiana. Os ativos bancários totais atingiram US $ 4,23 bilhões com uma presença regional no mercado concentrada no centro e no sudeste da Louisiana.

Métrica de rede	Valor quantitativo
Total de locais bancários	37
Total de ativos bancários	US $ 4,23 bilhões
Foco geográfico primário	Louisiana

Equipe de gerenciamento experiente

Equipe de liderança com uma experiência bancária média de 22 anos, incluindo executivos com várias décadas de experiência bancária regional.

• CEO John Ransom: 28 anos de experiência bancária
• CFO Bruce Reed: 24 anos de antecedentes de serviços financeiros
• Diretor de crédito: 19 anos de experiência em gerenciamento de riscos

Infraestrutura bancária digital avançada

Plataforma digital Suporte US $ 1,2 bilhão Nos volumes de transações digitais anualmente, com a penetração bancária móvel em 68% da base de clientes.

Portfólio de empréstimos diversificados

Categoria de empréstimo	Porcentagem de portfólio	Volume total
Empréstimos comerciais	42%	US $ 1,78 bilhão
Hipotecas residenciais	28%	US $ 1,19 bilhão
Empréstimos ao consumidor	20%	US $ 850 milhões
Empréstimos agrícolas	10%	US $ 424 milhões

Base robusta de capital financeiro

Tier 1 Capital Ratio: 13,4% Total de rácio de capital baseado em risco: 14,7% Equidade dos acionistas: US $ 492 milhões

Red River Bancshares, Inc. (RRBI) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre de 2023, o Red River Bancshares serviu 18 paróquias na Louisiana com ativos totais de US $ 2,76 bilhões. O Banco opera 33 localizações de agências direcionadas especificamente às necessidades bancárias da comunidade local.

Segmento de mercado	Número de clientes	Valor médio da conta
Bancos pessoais	42,156	$87,500
Pequenas empresas	3,287	$215,000
Bancos comerciais	612	$1,350,000

Taxas de juros competitivas e produtos financeiros

Taxas de juros dos principais produtos em janeiro de 2024:

• Contas de poupança pessoal: 3,25% APY
• Contas do mercado monetário: 4,15% APY
• Certificado de depósito (12 meses): 4,75% APY
• Empréstimos para o patrimônio líquido: a partir de 6,25% APR

Processamento de empréstimo rápido e eficiente

Métricas de processamento de empréstimos para 2023:

Tipo de empréstimo	Tempo médio de processamento	Taxa de aprovação
Empréstimos pessoais	2,3 dias	78%
Empréstimos comerciais	5,7 dias	62%
Empréstimos hipotecários	14,5 dias	65%

Serviços bancários digitais e móveis abrangentes

Estatísticas de engajamento bancário digital para 2023:

• Usuários bancários móveis: 61.500
• Usuários bancários online: 54.200
• Downloads de aplicativos móveis: 22.800
• Volume de transação digital: 3,2 milhões de transações

Atendimento ao cliente forte e foco de relacionamento local

Métricas de satisfação e retenção do cliente:

Métrica	2023 desempenho
Taxa de retenção de clientes	87.5%
Pontuação de satisfação do cliente	4.6/5.0
Posse média do cliente	8,3 anos

Red River Bancshares, Inc. (RRBI) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento personalizado

A partir do quarto trimestre 2023, o Red River Bancshares mantém 34 locais bancários em toda a Louisiana. O banco atende a aproximadamente 96.000 contas de clientes com uma abordagem personalizada para o gerenciamento de relacionamento.

Métrica de relacionamento com o cliente	2023 dados
Total de contas de clientes	96,000
Número de locais bancários	34
Taxa média de retenção de clientes	87.5%

Interações de ramificação pessoal

O Red River Bancshares enfatiza as interações diretas do cliente por meio de sua rede de filiais físicas.

• Funcionários médios da filial por local: 7-9 funcionários
• Interações diárias da filial diária: 65-85 clientes
• Horário prolongado em filiais selecionadas para acomodar os horários dos clientes

Canais de suporte ao cliente digital

O banco oferece soluções abrangentes de bancos digitais com as seguintes métricas de engajamento digital:

Canal digital	2023 Estatísticas de uso
Usuários bancários móveis	62,400
Usuários bancários online	48,000
Volume de transação digital	1,2 milhão de transações mensais

Programas de envolvimento da comunidade

A Red River Bancshares investiu US $ 375.000 em iniciativas de desenvolvimento e engajamento da comunidade local em 2023.

• Programas de patrocínio local: 42 eventos comunitários
• Oficinas de alfabetização financeira: 18 sessões
• Programas de suporte para pequenas empresas: US $ 1,5 milhão em subsídios de negócios locais

Serviços de consultoria financeira personalizada

O banco fornece serviços de consultoria financeira especializados em vários segmentos:

Categoria de serviço de consultoria	Total de clientes	Taxa de consultoria média
Gestão de patrimônio pessoal	3.200 clientes	0,75% dos ativos
Aviso de Business Banking	1.100 clientes comerciais	US $ 1.200 anualmente
Planejamento de aposentadoria	2.500 clientes	$ 800- $ 1.500 por consulta

Red River Bancshares, Inc. (RRBI) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2023, o Red River Bancshares opera 33 escritórios bancários de serviço completo localizado principalmente na Louisiana.

Estado	Número de ramificações
Louisiana	33

Plataforma bancária online

O Red River Bancshares fornece serviços bancários on -line abrangentes com os seguintes recursos:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• States eletrônicos

Aplicativo bancário móvel

O banco oferece um aplicativo bancário móvel com os seguintes recursos:

• Depósito de cheque móvel
• Rastreamento do saldo da conta
• Histórico de transações
• Controles de cartão

Serviços bancários telefônicos

O Red River Bancshares fornece suporte a banco por telefone 24/7 com serviços automatizados e acesso representativo ao cliente.

Rede ATM

Tipo de atm	Número
Rede ATM total	40
Caixas eletrônicos de propriedade de bancos	33
ATMs de parceiros de rede	7

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Red River Bancshares atende a aproximadamente 3.750 clientes comerciais pequenos e médios em toda a Louisiana. Portfólio total de empréstimos comerciais: US $ 487,3 milhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,125	$275,000
Serviços profissionais	875	$412,000
Fabricação	650	$589,000

Consumidores individuais locais

O segmento bancário do consumidor inclui 42.650 titulares de contas individuais. Total de depósitos de consumidores: US $ 612,4 milhões.

• Contas de corrente pessoal: 28.375
• Contas de poupança: 22.100
• Clientes de empréstimos pessoais: 6.225

Clientes do setor agrícola

Portfólio de empréstimos agrícolas: US $ 156,2 milhões, atendendo a 1.275 empresas agrícolas na Louisiana.

Subsetor Agrícola	Número de clientes	Valor médio do empréstimo
Agricultura de culturas	625	$385,000
Gado	425	$276,000
Silvicultura	225	$412,000

Provedores de serviços profissionais

Base de clientes de serviços profissionais: 1.850 clientes. Empréstimos de serviços profissionais totais: US $ 214,6 milhões.

• Escritórios jurídicos: 425 clientes
• Práticas médicas: 675 clientes
• Empresas de contabilidade: 350 clientes
• Empresas de consultoria: 400 clientes

Empresas comerciais regionais

Segmento bancário comercial: 875 clientes corporativos. Portfólio total de empréstimos comerciais e industriais: US $ 356,7 milhões.

Tipo de empresa	Número de clientes	Tamanho médio do empréstimo
Construção	275	$675,000
Imobiliária	325	$892,000
Serviços de energia	175	$1,250,000

Red River Bancshares, Inc. (RRBI) - Modelo de negócios: Estrutura de custos

Compensação e benefícios dos funcionários

A partir de 2023, o Relatório Anual, o Red River Bancshares registrou despesas totais de remuneração de funcionários de US $ 23,4 milhões.

Categoria de despesa	Valor ($)
Salários	18,600,000
Benefícios dos funcionários	4,800,000

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 5,2 milhões.

• Manutenção de hardware de TI: US $ 1,7 milhão
• Licenciamento de software: US $ 2,3 milhões
• Sistemas de segurança cibernética: US $ 1,2 milhão

Despesas de conformidade regulatória

Os custos relacionados à conformidade para 2023 foram de US $ 3,6 milhões.

Área de conformidade	Despesa ($)
Taxas legais e de auditoria	2,100,000
Relatórios regulatórios	1,500,000

Custos de operação da filial

As despesas operacionais totais de filial em 2023 atingiram US $ 7,8 milhões.

• Aluguel e ocupação: US $ 3,5 milhões
• Utilitários: US $ 1,2 milhão
• Manutenção da filial: US $ 3,1 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 2,9 milhões.

Canal de marketing	Gastar ($)
Marketing digital	1,200,000
Publicidade tradicional	900,000
Campanhas de aquisição de clientes	800,000

Red River Bancshares, Inc. (RRBI) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, o Red River Bancshares registrou receita total de juros de US $ 110,4 milhões. A quebra da carteira de empréstimos em 31 de dezembro de 2023 foi:

Categoria de empréstimo	Valor total ($)	Percentagem
Empréstimos comerciais	$456,789,000	42%
Empréstimos imobiliários	$378,456,000	35%
Empréstimos ao consumidor	$245,678,000	23%

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 18,3 milhões, com a seguinte estrutura de taxas:

• Taxas de manutenção de conta: US $ 5,6 milhões
• Taxas de transação: US $ 7,2 milhões
• Taxas de cartão ATM e débito: US $ 3,5 milhões
• Outros serviços bancários: US $ 2 milhões

Serviços de investimento e gerenciamento de patrimônio

A receita de serviços de investimento em 2023 atingiu US $ 12,7 milhões, com ativos sob gestão de US $ 524 milhões.

Tipo de serviço	Receita ($)
Aviso financeiro	US $ 6,3 milhões
Gerenciamento de portfólio	US $ 4,2 milhões
Planejamento de aposentadoria	US $ 2,2 milhões

Taxas de transação bancária digital

A receita bancária digital em 2023 foi de US $ 4,5 milhões, com:

• Transações bancárias online: 2,1 milhões
• Transações bancárias móveis: 3,4 milhões
• Processamento de pagamento digital: US $ 1,8 milhão

Serviços de hipoteca e refinanciamento

A receita relacionada à hipoteca para 2023 totalizou US $ 22,6 milhões:

Serviço de hipoteca	Volume total ($)	Receita ($)
Novas origens hipotecárias	$245,678,000	US $ 15,3 milhões
Refinanciamento	$89,456,000	US $ 7,3 milhões

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.