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RED River Bancshares Inc key statistics and ratios

In fiscal 2025, RED River Bancshares Inc had return on equity of 12.5% and a net margin of 34.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin31.3%31.2%30.5%34.2%35.0%32.4%31.2%34.1%34.9%
Return on equity11.9%11.1%10.5%11.3%13.1%12.2%11.0%12.5%12.3%
Return on assets1.2%1.3%1.2%1.1%1.2%1.1%1.1%1.3%1.4%
Effective tax rate18.7%18.5%18.3%17.7%17.9%18.8%19.2%19.5%19.6%
Dividends ÷ net income4.4%5.3%6.2%6.2%5.4%6.6%7.3%8.4%11.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

86 /100

Strong moat

How hard RED River Bancshares's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 15 / 20

    Net income has been a median 1.2% of total assets over 8 years.

  • Durability 20 / 20

    Net margin has been a median 32.6%; its worst year was 30.6%.

  • Discipline 20 / 20

    The diluted share count fell 10.0% over five years; stock-based pay has been a median 0.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (91 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: INBK vs RRBIRBB vs RRBIMRBK vs RRBIFMAO vs RRBI

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from RED River Bancshares Inc's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to RED River Bancshares Inc.