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Red River Bancshares (RRBI) investor relations material
Red River Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 reached $10.8 million ($1.63 diluted EPS), up 5.9% sequentially and 23.4% year-over-year, driven by higher net interest income and nonrecurring partnership income; nine-month net income was $31.3 million ($4.65 EPS), up 25.8% year-over-year.
Return on assets was 1.34% and return on equity was 12.62% for Q3 2025, both improved from the prior quarter and year-over-year.
Net interest margin FTE increased for the eighth consecutive quarter to 3.43% in Q3 2025.
Loans, deposits, and total assets all increased slightly during the quarter, with a notable private stock repurchase and a 25% increase in the quarterly cash dividend.
Opened a new loan and deposit production office in Lafayette, Louisiana.
Financial highlights
Net interest income for Q3 2025 was $26.9 million, up $1.1 million (4.1%) from Q2 2025; net interest margin FTE rose to 3.43%.
Noninterest income for Q3 2025 was $5.0 million, up 6.5% sequentially, with a $253,000 nonrecurring gain from a partnership investment.
Operating expenses for Q3 2025 were $17.9 million, up 3.0% sequentially, mainly due to higher personnel and occupancy costs.
Loans HFI grew 1.6% to $2.17 billion; deposits increased 1.0% to $2.84 billion from Q2 2025.
Book value per share rose to $53.42; tangible book value per share was $53.18 as of September 30, 2025.
Outlook and guidance
Management expects net interest income and margin FTE to decrease slightly in Q4 2025 due to anticipated lower loan yields and deposit repricing as the federal funds rate declines.
$33.4 million in securities cash flows at 3.72% are expected to be redeployed at higher yields in Q4 2025.
Loan demand is improving as economic uncertainty diminishes, with optimism for Louisiana’s economic outlook.
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Next Red River Bancshares earnings date
Q4 202530 Jan, 2026
Next Red River Bancshares earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Red River Bancshares, Inc. is a bank holding company that provides a range of financial services through its subsidiary, Red River Bank. The company offers personal and commercial banking services, including checking and savings accounts, loans, mortgages, and treasury management services. Red River Bank also provides online and mobile banking, wealth management, and investment services. The company primarily serves individuals, businesses, and professionals across various sectors, including real estate, healthcare, and agriculture. The company is headquartered in Alexandria, Louisiana, and its shares are listed on the NASDAQ.
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