Red River Bancshares (RRBI) investor relations material

Executive summary

• Net income for Q2 2026 was $11.8 million, down 1.7% sequentially but up 15.4% year-over-year; EPS was $1.78, with ROA at 1.43% and ROE at 12.41%.

• For the first half of 2026, net income was $23.7 million, up 15.5% year-over-year; EPS was $3.59.

• Completed Northwest market expansion and banking center relocations; welcomed two new directors and saw the retirement of a founding director.

Financial highlights

• Net interest income for Q2 2026 was $29.0 million, up 2.0% from Q1 2026; net interest margin FTE rose 10 bps to 3.61%.

• Noninterest income was $4.7 million, up 4.5% sequentially, with mortgage loan income up 53.4%.

• Operating expenses increased 6.0% to $18.3 million, driven by higher personnel and data processing costs.

• Assets as of June 30, 2026, were $3.31 billion, down 1.1% from March 31, 2026.

• Deposits totaled $2.91 billion, down 1.4% sequentially, mainly due to seasonal outflows and legal settlement timing.

• Loans HFI were $2.26 billion, up slightly from Q1 2026, with new originations and construction fundings exceeding payoffs.

• Paid a $0.25 per share cash dividend in Q2 2026.

Outlook and guidance

• Expect higher loan growth in the second half of 2026 based on current pipeline activity.

• Project net interest income and margin FTE to increase slightly in the second half of 2026, assuming stable federal funds rates.

• Continued focus on organic expansion and evaluating new market opportunities.