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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

Red River Bank

Alexandria, Louisiana · $3.31B in assets · beside the 5 other Louisiana banks between $3B and $10B

The filing

0.11%
NPA / loans
1st of 6
1.45%
ROA
1st of 6
53.7%
Efficiency
1st of 6

Red River Bank is the smallest of the 6 Louisiana banks between $3B and $10B, with $3.31B in assets at 30 June 2026. Loans are 77.8% of deposits, 2nd of 6 against a median of 87.8%, and equity is 11.3% of assets, 4th of 6. Loans grew +5.7% in the year, 4th of 6, and deposits grew 3.4%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 0.11% of the book, the lowest in the cohort against a median of 1.11%; 0.11% is 30 to 89 days past due, and the allowance covers them 10.2 times. Commercial real estate is 30.3% of loans, 3rd of 6 against a median of 32.3%, and 155% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 1.45%, the highest in the cohort against a median of 1.19%, on an efficiency ratio of 53.7%, the lowest in the cohort. Five years ago it was 1.15%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Nonperforming loans, share of loansLA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 1.11% RR Red River Bank 0.11% IB Investar Bank National Association 0.63% HB Home Bank National Association 0.95% B B1bank 1.26% GC Gulf Coast Bank & Trust Co. 1.60% FG First Guaranty Bank 2.30%
Loans, year over yearLA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% IB Investar Bank National Association +45.3% GC Gulf Coast Bank & Trust Co. +11.4% B B1bank +10.2% RR Red River Bank +5.7% HB Home Bank National Association +0.5% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Red River Bank is the 47th largest 7(a) lender into Louisiana of 263, with $15M across 78 loans, 0.4% of everything approved in the state (Gulf Coast Bank and Trust Company leads with $249M). 11 of its 15 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Louisiana, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Rapides, LA$9M2nd of 3912.6%-19.0 pts
Calcasieu, LA$2M35th of 730.9%quiet FY2021
East Baton Rouge, LA$1M68th of 1170.3%-0.8 pts
Saint Tammany, LA$775K49th of 780.2%-0.0 pts
Shelby, TN$730K99th of 1390.1%quiet FY2021
West Baton Rouge, LA$520K11th of 231.8%quiet FY2020
Dallas, TX$500K260th of 3140.0%quiet FY2013
Lincoln, LA$405K16th of 220.8%quiet FY2022
Caddo, LA$344K56th of 730.2%quiet FY2011
Grant, LA$273K4th of 612.7%quiet FY2014
Allen, LA$180K7th of 102.6%thin
Lafayette, LA$173K79th of 840.0%quiet FY2021
Ascension, LA$126K51st of 550.1%quiet FY2011
2 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services12$5M30.8%0.02%445th of 1,955
Accommodation & food services16$3M18.1%0.00%1052nd of 2,596
Educational services4$2M11.2%0.04%323rd of 1,136
Retail trade7$1M8.6%0.00%1368th of 2,589
Health care & social assistance14$1M7.4%0.00%1080th of 2,172
7(a) lenders into Louisiana, share of approvals since FY2008263 lenders on record; the ten largest and Red River Bank
GC Gulf Coast Bank and Trust Company 6.5% $249M · 891 loans LO Live Oak Banking Company 5.9% $227M · 182 loans JC JPMorgan Chase Bank, National Ass… 5.4% $207M · 1,246 loans HW Hancock Whitney Bank 4.5% $171M · 491 loans FF First Financial Bank 4.0% $151M · 162 loans AB American Bank 3.7% $143M · 214 loans NS Newtek Small Business Finance, In… 3.3% $127M · 150 loans GC Gulf Coast Bank 3.0% $116M · 279 loans B B1bank 2.8% $109M · 240 loans RB Regions Bank 2.7% $103M · 119 loans RR Red River Bank 0.4% $15M · 78 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Red River BankRankCohort median
Total CRE against capital, the 300% screen155%1st of 6206%
Construction against capital, the 100% screen53%2nd of 661%
Construction and land development, share of loans10.3%4th of 69.4%
Non-owner-occupied nonfarm nonresidential, share of loans18.4%4th of 617.6%
Total CRE, the guidance definition, share of loans30.3%3rd of 632.3%
CRE growth over 36 months, the third prong+23.4%4th of 6+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Red River BankCohort median
20212026Change20212026Change
Loans$1.61B$2.27B+41%$1.94B$2.80B+45%
Deposits$2.59B$2.91B+13%$2.40B$3.26B+36%
NPA / loans0.13%0.11%-0.02 pts0.90%1.11%+0.21 pts
Efficiency55.8%53.7%-2.1 pts61.1%62.4%+1.3 pts
ROA1.15%1.45%+0.30 pts1.33%1.19%-0.14 pts

This read was prepared for Red River Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Red River Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $3B to $10B
Institution www.RedRiverBank.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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