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Red River Bancshares, Inc. RRBI Business Segments — Provision for Credit Losses

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Other financials

Income statement

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Revenue$33.7M+10.4%
Net income$11.8M+15.4%
EPS (diluted)$1.78+17.9%

Balance sheet

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Cash & equivalents$195.4M-7.1%
Total debt$1.4M-47.1%
Total equity$384.6M+14.7%
Total assets$3.3B+4.5%

Cash flow

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Operating cash flow$12.3M+223%
CapEx$1.2M+348%
Free cash flow$11.1M+214%

Valuation

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Market cap$659.19M+60.8%
Enterprise value$465.18M+129%
P/E14.4×+3.7×
P/S+1.5×

Profitability

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Net margin34.9%+1.9pp
FCF margin38.8%+8.2pp

Returns & leverage

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Return on equity12.8%+0.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Red River Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The source filing: Red River Bancshares, Inc.’s 10-Q, filed August 7, 2026.

Filed
Aug 6, 2026, 8:00 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001071236-26-000056
(in thousands)For the Three Months Ended June 30, 2026For the Three Months Ended June 30, 2025For the Six Months Ended June 30, 2026For the Six Months Ended June 30, 2025
Interest and dividend income$39,323$36,730$78,468$72,538
Interest expense10,35610,91121,09722,109
Provision for credit losses7504501,500900
Noninterest income4,7384,7189,2719,990
Depreciation and amortization9548781,8701,729
Other operating expenses17,33216,48933,66632,226
Income before income tax expense$14,669$12,720$29,606$25,564
Income tax expense2,9062,5245,8725,016

Item 1. Financial Statements (Unaudited)

FAQ

What is Red River Bancshares, Inc.'s business segments — provision for credit losses?
Red River Bancshares, Inc. (RRBI) reported business segments — provision for credit losses of $750K in Q2 2026.
How has Red River Bancshares, Inc.'s business segments — provision for credit losses changed year-over-year?
Red River Bancshares, Inc.'s business segments — provision for credit losses increased by 66.7% year-over-year, from $450K to $750K.
What is the long-term trend for Red River Bancshares, Inc.'s business segments — provision for credit losses?
Over 3 years (2022 to 2025), Red River Bancshares, Inc.'s business segments — provision for credit losses has grown at a 9.5% compound annual growth rate (CAGR), from $1.75M to $2.3M.
What does business segments — provision for credit losses mean?
This metric represents the periodic expense set aside by the segment to cover potential future losses from loan defaults or credit deterioration. It is a critical indicator of the segment's credit risk management and the perceived quality of its loan portfolio. An increase in this provision often signals management's expectation of higher credit risk or economic headwinds.

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