RRBI

Red River Bancshares (RRBI) came out with quarterly earnings of $1.78 per share, beating the Zacks Consensus Estimate of $1.77 per share. This compares to earnings of $1.51 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +0.57%. A quarter ago, it was expected that this holding company for Red River Bank would post earnings of $1.69 per share when it actually produced earnings of $1.81, delivering a surprise of +7.1%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Red River Bancshares, which belongs to the Zacks Banks - Southwest industry, posted revenues of $33.71 million for the quarter ended June 2026, missing the Zacks Consensus Estimate by 0.04%. This compares to year-ago revenues of $30.54 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Red River Bancshares shares have added about 42.3% since the beginning of the year versus the S&P 500's gain of 6.9%. While Red River Bancshares has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Red River Bancshares was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.83 on $34.57 million in revenues for the coming quarter and $7.27 on $136.21 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 14% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Ryman Hospitality Properties (RHP), another stock in the broader Zacks Finance sector, has yet to report results for the quarter ended June 2026. The results are expected to be released on August 6. This hotel and resort real estate investment trust is expected to post quarterly earnings of $2.55 per share in its upcoming report, which represents a year-over-year change of +8.5%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Ryman Hospitality Properties' revenues are expected to be $731.71 million, up 11% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Red River Bancshares, Inc. (RRBI) : Free Stock Analysis Report Ryman Hospitality Properties, Inc. (RHP) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

ALEXANDRIA, La., July 30, 2026 (GLOBE NEWSWIRE) -- Red River Bancshares, Inc. (the “Company”) (Nasdaq: RRBI), the holding company for Red River Bank (the “Bank”), announced today its unaudited financial results for the second quarter of 2026. Net income for the second quarter of 2026 was $11.8 million, or $1.78 per diluted common share (“EPS”), a decrease of $208,000 or 1.7%, compared to $12.0 million, or $1.81 EPS, for the first quarter of 2026, and an increase of $1.6 million, or 15.4%, compared to $10.2 million, or $1.51 EPS, for the second quarter of 2025. For the second quarter of 2026, the quarterly return on assets was 1.43%, and the quarterly return on equity was 12.41%. Net income for the six months ended June 30, 2026, was $23.7 million, or $3.59 EPS, an increase of $3.2 million, or 15.5%, compared to $20.5 million, or $3.03 EPS, for the six months ended June 30, 2025. For the six months ended June 30, 2026, the return on assets was 1.44%, and the return on equity was 12.68%. Second Quarter 2026 Performance and Operational Highlights The second quarter of 2026 financial results included an improved net interest margin and net interest income, as well as slightly lower assets and net income. We completed our Northwest market expansion and banking center relocation project. Also, one of our founding directors retired, and we welcomed two new directors to our board. Net income for the second quarter of 2026 was $11.8 million, down $208,000, or 1.7%, from the prior quarter. Net income for the second quarter was impacted by an expected $1.0 million increase in operating expenses, partially offset by a $563,000 increase in net interest income. Net income for the first quarter of 2026 benefited from approximately $590,000 of periodic items that reduced operating expenses. Net interest income increased $563,000, or 2.0%, and net interest margin fully taxable equivalent (“FTE”) increased 10 basis points (“bp(s)”) to 3.61% for the second quarter of 2026, compared to 3.51% for the prior quarter. As of June 30, 2026, assets were $3.31 billion, down $35.3 million, or 1.1%, from $3.35 billion as of March 31, 2026, as a result of a $40.9 million decrease in deposits. Deposits totaled $2.91 billion as of June 30, 2026, down $40.9 million, or 1.4%, from $2.95 billion as of March 31, 2026. This decrease was primarily due to the seasonal outflow of funds from customer income tax payments, along with fluctuations in lawyer trust accounts due to the timing of legal settlements. As of June 30, 2026, loans held for investment (“HFI”) were $2.26 billion, up slightly from $2.25 billion as of March 31, 2026. In the second quarter of 2026, new loan originations and construction commitment fundings exceeded payments and payoffs. In the second quarter of 2026, nonperforming assets (“NPA(s)”) decreased $1.6 million, or 38.3%, to $2.6 million, or 0.08% of assets, as of June 30, 2026. This improvement was due to the successful resolution of problem loans, which resulted in the receipt of $180,000 of related interest income and collection expense reimbursements. We paid a quarterly cash dividend of $0.25 per common share in the second quarter of 2026. The 2026 stock repurchase program authorizes us to purchase up to $10.0 million of our outstanding shares of common stock from January 1, 2026 through December 31, 2026. There was no stock repurchase activity in the first half of 2026. As of June 30, 2026, the 2026 stock repurchase program had $10.0 million of available capacity. We continued to implement our organic expansion plan with the following projects: In May 2026, there were changes to the boards of directors of the Company and the Bank. Founding board member Kirk D. Cooper retired, and A. Peyton Bush, IV and R. Chance DeWitt, M.D. were appointed as new directors of both the Company and the Bank. In June 2026, RRBI was added to the State Street SPDR S&P Regional Banking ETF (ticker: “KRE”) as part of its quarterly fund rebalance. Blake Chatelain, President and Chief Executive Officer, stated, “The second quarter of 2026 was one of solid, consistent performance driven by net interest margin expansion and a consistent balance sheet. As expected, net income and EPS in the second quarter of 2026 were slightly lower than the prior quarter, which had benefited from periodic rebates and refunds from vendors. “We are pleased with the 10 bp expansion to the net interest margin FTE to 3.61% as we repriced loans at higher yields and had a lower cost of deposits. Our balance sheet is well positioned for a ‘higher for longer’ interest rate environment, though the interest rate outlook remains challenging to predict due to geopolitical tensions and uncertainty regarding energy prices. We are encouraged to see Chairman Warsh, the new chair of the Federal Reserve, commit to bring inflation under control, as inflation and high costs continue to be a burden for families and businesses. “In the second quarter of 2026, loan growth was partially offset by loan payoffs with the sale of businesses, along with large commercial real estate projects transitioning to permanent financing in the secondary market. Based on our current loan pipeline activity and levels, we anticipate higher loan growth in the second half of 2026. “We have been very busy with our organic expansion plan. In May 2026, we completed the Northwest market relocation projects. Our new Northwest market loan and deposit production office is conveniently located next to our East Kings banking center, and is more accessible for our customers and efficient for our employees. In July 2026, in the New Orleans market, we were pleased to relocate our leadership, lending, and banking center teams together into the Energy Centre Building. This consolidation will allow us to improve our customer service by providing all banking services from one location. “I want to thank Kirk Cooper, a founding board member, for serving as a director and congratulate him on his retirement. Over the past 27 years, Kirk has served as an insightful and dedicated leader, providing guidance and support to the Company. On behalf of the entire board and management, we wish him the very best in retirement. We welcome Peyton Bush and Dr. Chance DeWitt to the boards and look forward to their future guidance and involvement. Peyton is a lifelong resident of New Orleans and has extensive financial knowledge and expertise. Chance is originally from Alexandria and now lives and practices medicine in Lafayette. “As we enter the second half of 2026, we are focused on expanding the Red River Bank banking center network and team, evaluating expansion opportunities, providing personalized banking services to our customers, and welcoming new banking relationships. We are well positioned to provide solid profitability and returns for our shareholders.” Net Interest Income and Net Interest Margin FTE Net interest income for the second quarter of 2026 was $29.0 million, which was $563,000, or 2.0%, higher than the first quarter of 2026 and benefited from one more accrual day. Net interest margin FTE was 3.61% for the second quarter of 2026, which was 10 bps higher than the prior quarter. These improvements were primarily driven by higher loan yields and a lower cost of deposits. Interest income on loans increased $689,000 due to higher loan yields, and included $98,000 of additional interest income resulting from the successful resolution of nonaccrual loans in the second quarter. For the second quarter of 2026, the average rate on new and renewed loans was 6.38%. Interest expense decreased by $385,000 primarily due to lower average interest-bearing deposit balances, which resulted in a 4 bp decrease in the cost of deposits. In the second half of 2025, the Federal Open Market Committee (“FOMC”) reduced the federal funds rate by 75 bps, resulting in a range of 3.50%-3.75%, which remained throughout the first half of 2026. Due to uncertainty regarding the forecasted interest rate environment, we are modeling a consistent federal funds range for the second half of 2026. During the remainder of 2026, we project $157.4 million of fixed rate loans at 5.91% to mature, which we expect to redeploy into loans with slightly higher rates. We have $489.1 million of floating rate loans at 6.14%, which we expect to remain at a consistent rate. We also expect to receive $56.8 million in securities cash flows at 3.69%, for which we are currently evaluating reinvestment options as we consider balance sheet management strategies. We project $449.6 million in time deposits at 3.44% to mature, with the opportunity to reprice slightly lower. Depending on balance sheet activity and interest rate competition, we expect net interest income and net interest margin FTE to increase slightly in the second half of 2026. Noninterest Income Noninterest income totaled $4.7 million for the second quarter of 2026, up $205,000, or 4.5%, from the previous quarter. Mortgage loan income was $928,000 for the second quarter of 2026, up $323,000, or 53.4%, from the previous quarter due to increased purchase activity. Debit card income, net, was $1.1 million for the second quarter of 2026, up $151,000, or 16.5%, from the previous quarter. This increase was mainly due to higher debit card activity and receipt of a $63,000 periodic refund from our debit card provider in the second quarter of 2026. The Small Business Investment Company (“SBIC”) partnerships reported a loss of $291,000 in the second quarter of 2026, compared to a loss of $105,000 in the previous quarter. These losses were mainly due to fund value adjustments as an SBIC fund continues its wind-down phase. We expect SBIC income or loss to fluctuate in future quarters. Operating Expenses Operating expenses totaled $18.3 million for the second quarter of 2026, up $1.0 million, or 6.0%, from the previous quarter. Data processing expense totaled $758,000 for the second quarter of 2026, up $381,000, or 101.1%, from the previous quarter. The first quarter of 2026 benefited from the receipt of a $389,000 periodic refund from our data processing center. Personnel expenses totaled $10.7 million for the second quarter of 2026, up $194,000, or 1.8%, from the previous quarter. This increase was primarily due to annual raises effective April 2026 and an increase in headcount. As of June 30, 2026 and March 31, 2026, we had 381 and 375 total employees, respectively. Loan and deposit expenses totaled $242,000 for the second quarter of 2026, up $139,000, or 135.0%, from the previous quarter. The second quarter of 2026 benefited from reimbursement of $82,000 of collection expenses due to the successful resolution of nonaccrual loans. The first quarter of 2026 benefited from receipt of a $201,000 negotiated, variable rebate from a vendor. Occupancy and equipment expenses totaled $1.9 million for the second quarter of 2026, up $51,000, or 2.7%, from the previous quarter. This increase was primarily due to $78,000 of nonrecurring expenses related to our newly constructed Shreveport Commercial and Private Banking Loan and Deposit Production Office, as well as the relocation of a banking center, both in the Northwest market. Loans Loans HFI were $2.26 billion as of June 30, 2026 and $2.25 billion as of March 31, 2026. In the second quarter of 2026, new loan originations and construction commitment fundings exceeded payments and payoffs. As of June 30, 2026, we had $93.5 million of unfunded construction loan commitments, which we expect to fund over time. Asset Quality and Allowance for Credit Losses NPAs totaled $2.6 million as of June 30, 2026, a decrease of $1.6 million, or 38.3%, from March 31, 2026, primarily due to the successful resolution of nonaccrual loans. The ratio of NPAs to assets was 0.08% and 0.13% as of June 30, 2026 and March 31, 2026, respectively. The provision for credit losses for the second quarter of 2026 was $750,000, which was consistent with the prior quarter. As of June 30, 2026, the allowance for credit losses (“ACL”) was $24.8 million. The ratio of ACL to loans HFI was 1.09% as of June 30, 2026 and 1.07% as of March 31, 2026. The net charge-offs to average loans ratio was 0.00% for the second and first quarters of 2026. Deposits As of June 30, 2026, deposits were $2.91 billion, a decrease of $40.9 million, or 1.4%, compared to March 31, 2026. The decrease in deposits for the second quarter of 2026 was primarily due to the seasonal outflow of funds from customer income tax payments, along with fluctuations in lawyer trust accounts due to timing of legal settlements. Stockholders’ Equity Total stockholders’ equity as of June 30, 2026, was $384.6 million, compared to $373.3 million as of March 31, 2026. The $11.2 million, or 3.0%, increase in stockholders’ equity during the second quarter of 2026 was attributable to $11.8 million of net income, a $964,000, net of tax, market adjustment to accumulated other comprehensive loss related to securities, and $144,000 of stock compensation, partially offset by $1.6 million in cash dividends related to a $0.25 per share cash dividend that we paid on June 18, 2026. Non-GAAP Disclosure Our accounting and reporting policies conform to United States generally accepted accounting principles (“GAAP”) and the prevailing practices in the banking industry. Certain financial measures used by management to evaluate our operating performance are discussed as supplemental non-GAAP performance measures. In accordance with the Securities and Exchange Commission’s (“SEC”) rules, we classify a financial measure as being a non-GAAP financial measure if that financial measure excludes or includes amounts, or is subject to adjustments that have the effect of excluding or including amounts, that are included or excluded, as the case may be, in the most directly comparable measure calculated and presented in accordance with GAAP as in effect from time to time in the U.S. Management and the board of directors review tangible common equity, realized common equity, tangible assets, tangible book value per share, realized book value per share, and tangible common equity to tangible assets as part of managing operating performance. However, these non-GAAP financial measures should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. Moreover, the manner we calculate the non-GAAP financial measures that are discussed may differ from that of other companies’ reporting measures with similar names. It is important to understand how other banking organizations calculate and name their financial measures similar to the non-GAAP financial measures discussed by us when comparing such non-GAAP financial measures. A reconciliation of non-GAAP financial measures to the comparable GAAP financial measures is included within the following financial statement tables. About Red River Bancshares, Inc. Red River Bancshares, Inc. is the bank holding company for Red River Bank, a Louisiana state-chartered bank established in 1999 that provides a fully integrated suite of banking products and services tailored to the needs of our commercial and retail customers. Red River Bank operates from a network of 28 banking centers throughout Louisiana and two combined loan and deposit production offices, one each in Lafayette, Louisiana, and Shreveport, Louisiana. Banking centers are located in the following Louisiana markets: Central, which includes the Alexandria metropolitan statistical area (“MSA”); Northwest, which includes the Shreveport-Bossier City MSA; Capital, which includes the Baton Rouge MSA; Southwest, which includes the Lake Charles MSA; the Northshore, which includes the Slidell-Mandeville-Covington MSA; Acadiana, which includes the Lafayette MSA; and New Orleans, which includes the New Orleans-Metairie MSA. Forward-Looking Statements Statements in this news release regarding our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business, interest rates, and markets, are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements often include words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “outlook,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” The forward-looking statements in this news release are based on current information and on assumptions that we make about future events and circumstances that are subject to a number of risks and uncertainties that are often difficult to predict and beyond our control. As a result of those risks and uncertainties, our actual financial results in the future could differ, possibly materially, from those expressed in or implied by the forward-looking statements contained in this news release and could cause us to make changes to our future plans. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in the section titled “Risk Factors” in our most recent Annual Report on Form 10-K and any subsequent quarterly reports on Form 10-Q, and in other documents that we file with the SEC from time to time. In addition, our actual financial results in the future may differ from those currently expected due to additional risks and uncertainties of which we are not currently aware or which we do not currently view as, but in the future may become, material to our business or operating results. Due to these and other possible uncertainties and risks, readers are cautioned not to place undue reliance on the forward-looking statements contained in this news release or to make predictions based solely on historical financial performance. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments, or otherwise, except as required by applicable law. All forward-looking statements, express or implied, included in this news release are qualified in their entirety by this cautionary statement. Contact:Isabel V. Carriere, CPA, CGMASenior Executive Vice President and Chief Financial [email protected] (1)  Non-GAAP financial measure. Calculations of this measure and reconciliations to GAAP are included in the schedules accompanying this release.

Red River Bancshares (RRBI) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This holding company for Red River Bank is expected to post quarterly earnings of $1.77 per share in its upcoming report, which represents a year-over-year change of +17.2%. Revenues are expected to be $33.72 million, up 10.4% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.27% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For Red River Bancshares, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -1.70%. On the other hand, the stock currently carries a Zacks Rank of #2. So, this combination makes it difficult to conclusively predict that Red River Bancshares will beat the consensus EPS estimate. While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that Red River Bancshares would post earnings of $1.69 per share when it actually produced earnings of $1.81, delivering a surprise of +7.10%. Over the last four quarters, the company has beaten consensus EPS estimates four times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. Red River Bancshares doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Red River Bancshares, Inc. (RRBI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

ALEXANDRIA, La., April 30, 2026 (GLOBE NEWSWIRE) -- Red River Bancshares, Inc. (the “Company”) (Nasdaq: RRBI), the holding company for Red River Bank (the “Bank”), announced today its unaudited financial results for the first quarter of 2026. Net income for the first quarter of 2026 was $12.0 million, or $1.81 per diluted common share (“EPS”), compared to $11.4 million, or $1.73 EPS, for the fourth quarter of 2025, and $10.4 million, or $1.52 EPS, for the first quarter of 2025. For the first quarter of 2026, the quarterly return on assets was 1.44%, and the quarterly return on equity was 12.95%. First Quarter 2026 Performance and Operational Highlights The first quarter of 2026 financial results included record-high quarterly net income and a consistent balance sheet. We increased the quarterly cash dividend paid to shareholders by $0.10 per share, or 66.7%, to $0.25 per share for the first quarter of 2026, compared to $0.15 per share for the prior two quarters. Net income for the first quarter of 2026 was $12.0 million, up $556,000, or 4.9%, from the prior quarter. Net income for the first quarter was impacted by approximately $590,000 of periodic items that reduced operating expenses. These operating expense reductions benefited EPS by $0.07. Net interest income increased slightly, and net interest margin fully taxable equivalent (“FTE”) was consistent at 3.51% for the first quarter of 2026 and the prior quarter. Assets remained consistent at $3.35 billion as of March 31, 2026 and December 31, 2025. Loans held for investment (“HFI”) were $2.25 billion as of March 31, 2026 and December 31, 2025. In the first quarter of 2026, new loan originations and construction commitment fundings were offset by payments and payoffs. Deposits totaled $2.95 billion as of March 31, 2026, down $17.5 million, or 0.6%, from $2.96 billion as of December 31, 2025, primarily due to the seasonal outflow of funds from public entity customers exceeding increased commercial deposits. In the first quarter of 2026, we paid a quarterly cash dividend of $0.25 per common share, which was a 66.7% increase from $0.15 per common share paid in the third and fourth quarters of 2025. The 2026 stock repurchase program authorizes us to purchase up to $10.0 million of our outstanding shares of common stock from January 1, 2026 through December 31, 2026. There was no stock repurchase activity in the first quarter of 2026. As of March 31, 2026, the 2026 stock repurchase program had $10.0 million of available capacity. We continue to implement our organic expansion plan. The following construction projects are in process: In the Northwest market, there are two projects in process with the goal of relocating personnel and vacating the Market Street location in Shreveport, Louisiana. In May 2026, we plan to relocate our Northwest market leadership and lenders to our newly constructed Shreveport Commercial and Private Banking Loan and Deposit Production Office Building, which is adjacent to our East Kings banking center. We then plan to relocate the Market Street retail banking center to the nearby American Towers building, which will have a more efficient cost structure. In the New Orleans market, we have leased and are remodeling a portion of the bottom floor of the Energy Centre Building on Poydras Street. Completion is expected in the third quarter of 2026. Once complete, we plan to relocate the Baronne Street retail banking center and the New Orleans market leadership and lenders to this updated, convenient, and visible location. In the Acadiana market, we held a ground-breaking ceremony in January 2026 for our second full-service banking center in this market, located on Camellia Boulevard in Lafayette, Louisiana. We expect this location to open early in 2027. In the first quarter of 2026, S&P Global Market Intelligence ranked the Bank 42nd of the top 50 best deposit franchises in 2025 for banks with assets between $3.0 and $10.0 billion. On April 6, 2026, Jim Nelson was appointed as Market President for the New Orleans market. Blake Chatelain, President and Chief Executive Officer, stated, “We are pleased to report another strong quarter of financial results to start 2026. As a result of our consistent earnings and strong capital levels, the board of directors approved a 66.7% increase to the quarterly cash dividend for the first quarter of 2026 to $0.25 per share. “Net income and EPS in the first quarter of 2026 were at record-high levels and benefited from periodic rebates and refunds from vendors. We continue to remain focused on managing the net interest margin FTE, which remained steady at 3.51% between the first quarter of 2026 and the prior quarter. “In the second half of 2025, we experienced strong loan growth. In the first quarter of 2026, loans were consistent with the prior quarter; however, based on loan pipeline activity, we are expecting loan growth to resume during the remainder of the year. Deposit activity was solid in the first quarter of 2026, and the slight decrease in deposits was a result of the seasonal outflows of public funds that occur every year. “We remain focused on our organic growth strategy. We are relocating several locations, building a new banking center, and constantly recruiting new bankers to join the Red River Bank team. We are very pleased to announce Jim Nelson as the New Orleans market president. Jim is a dynamic leader with deep ties to the New Orleans market. His experience, vision, and dedication to clients and the community make him the ideal choice to lead the New Orleans market for Red River Bank. “As we move through 2026, we are well-positioned for continued progress and success. However, the world events in March 2026 remind us of how quickly situations can change. We are watching the situation in Iran and around the world closely. These actions certainly have the potential to impact the environment for all banks, businesses, and individuals. Uncertainty related to these events are impacting the United States and global economies. Increasing oil, gas, and energy prices are impacting inflation and could influence future interest rates. The 2026 forecast is challenging to predict; therefore, we remain positive, yet vigilant, as we monitor our communities and stay close to our customers. As always, we remain committed to serving our customers, growing, and providing steady financial results for our shareholders.” Net Interest Income and Net Interest Margin FTE Net interest income for the first quarter of 2026 was $28.4 million, slightly higher than the fourth quarter of 2025, despite the first quarter having two fewer accrual days. Net interest margin FTE was 3.51% for the first quarter of 2026, which was consistent with the prior quarter. Average loan balances increased slightly with no change in total loan yield. For the first quarter of 2026, the average rate on new and renewed loans was 6.71%. While the balance of average short-term liquid assets increased, the yield decreased due to the reduction of the target federal funds rate in December. Interest expense was impacted by a 3 basis point (“bp(s)”) decrease to the cost of deposits as we lowered selected deposit rates, partially offset by higher average deposit balances. In the second half of 2025, the Federal Open Market Committee (“FOMC”) reduced the federal funds rate by 75 bps, resulting in a range of 3.50%-3.75%, which remained throughout the first quarter of 2026. The market’s expectation is that the federal funds range may remain consistent in 2026. During the remainder of 2026, we project $201.4 million of fixed rate loans at 5.87% to mature, which we expect to redeploy into loans with slightly higher rates. We have $463.8 million of floating rate loans at 6.16%, which we expect to remain at a consistent rate. We also expect to receive $90.9 million in securities cash flows at 3.66%, which we plan to redeploy into securities at higher yields. We project $515.0 million in time deposits at 3.50% to mature, with the opportunity to reprice slightly lower. Depending on balance sheet activity and interest rate competition, we expect net interest income and net interest margin FTE to increase slightly in the second quarter of 2026. Noninterest Income Noninterest income totaled $4.5 million for the first quarter of 2026, down $416,000, or 8.4%, from the previous quarter. Other income was $83,000 for the first quarter of 2026, down $106,000, or 56.1%, from the previous quarter. The fourth quarter of 2025 included $127,000 of nonrecurring JAM FINTOP Banktech, L.P. fund partnership income, following the sale of an investment and subsequent distribution. Similar income was not recognized in the first quarter of 2026. The Small Business Investment Company (“SBIC”) partnerships reported a loss of $105,000 in the first quarter of 2026, compared to a loss of $197,000 in the previous quarter. These losses were mainly due to fund value adjustments as an SBIC fund continues its wind-down phase. We expect SBIC income to fluctuate in future quarters. Operating Expenses Operating expenses totaled $17.3 million for the first quarter of 2026, down $1.0 million, or 5.5%, from the previous quarter. Personnel expenses totaled $10.5 million for the first quarter of 2026, down $437,000, or 4.0%, from the previous quarter. This decrease was primarily due to lower personnel-related accruals and lower revenue-based commissions. We had 375 total employees as of March 31, 2026 and December 31, 2025. Data processing expenses totaled $377,000 for the first quarter of 2026, down $336,000, or 47.1%, from the previous quarter. This decrease was mainly attributable to receipt of a $389,000 periodic refund from our data processing center in the first quarter of 2026. Loan and deposit expenses totaled $103,000 for the first quarter of 2026, down $212,000, or 67.3%, from the previous quarter. This decrease was primarily attributable to receipt of a $201,000 negotiated, variable rebate from a vendor in the first quarter of 2026. Other taxes totaled $560,000 for the first quarter of 2026, down $23,000, or 3.9%, from the previous quarter. In 2025, Louisiana corporate income tax rates were lowered. In order for financial institutions to be included in this benefit, the State of Louisiana bank stock tax calculation was adjusted effective 2026, which resulted in other taxes being lower in the first quarter of 2026. Loans Loans HFI were $2.25 billion as of March 31, 2026 and December 31, 2025. In the first quarter of 2026, new loan originations and construction commitment fundings were offset by payments and payoffs. As of March 31, 2026, we had $111.8 million of unfunded construction loan commitments, which we expect to fund over time. Asset Quality and Allowance for Credit Losses Nonperforming assets (“NPA(s)”) totaled $4.3 million as of March 31, 2026, an increase of $728,000, or 20.6%, from December 31, 2025, primarily due to an increase in nonaccrual loans and other real estate owned, partially offset by a decrease in past due loans. The ratio of NPAs to assets was 0.13% and 0.11% as of March 31, 2026 and December 31, 2025, respectively. The provision for credit losses was $750,000 for the first quarter of 2026 and the prior quarter. As of March 31, 2026, the ACL was $24.1 million. The ratio of ACL to loans HFI was 1.07% as of March 31, 2026 and 1.04% as of December 31, 2025. The net charge-offs to average loans ratio was 0.00% for the first quarter of 2026 and 0.01% for the fourth quarter of 2025. Deposits As of March 31, 2026, deposits were $2.95 billion, a decrease of $17.5 million, or 0.6%, compared to December 31, 2025. The decrease in deposits for the first quarter of 2026 was primarily due to the seasonal outflow of funds from public entity customers exceeding increased commercial deposits. Stockholders’ Equity Total stockholders’ equity as of March 31, 2026, was $373.3 million, compared to $365.2 million as of December 31, 2025. The $8.2 million, or 2.2%, increase in stockholders’ equity during the first quarter of 2026 was attributable to $12.0 million of net income and $160,000 of stock compensation, partially offset by a $2.3 million, net of tax, market adjustment to accumulated other comprehensive loss related to securities and $1.6 million in cash dividends related to a $0.25 per share cash dividend that we paid on March 19, 2026. Non-GAAP Disclosure Our accounting and reporting policies conform to United States generally accepted accounting principles (“GAAP”) and the prevailing practices in the banking industry. Certain financial measures used by management to evaluate our operating performance are discussed as supplemental non-GAAP performance measures. In accordance with the Securities and Exchange Commission’s (“SEC”) rules, we classify a financial measure as being a non-GAAP financial measure if that financial measure excludes or includes amounts, or is subject to adjustments that have the effect of excluding or including amounts, that are included or excluded, as the case may be, in the most directly comparable measure calculated and presented in accordance with GAAP as in effect from time to time in the U.S. Management and the board of directors review total tangible common equity, total realized common equity, total tangible assets, tangible book value per share, realized book value per share, and tangible common equity to tangible assets as part of managing operating performance. However, these non-GAAP financial measures should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. Moreover, the manner we calculate the non-GAAP financial measures that are discussed may differ from that of other companies’ reporting measures with similar names. It is important to understand how such other banking organizations calculate and name their financial measures similar to the non-GAAP financial measures discussed by us when comparing such non-GAAP financial measures. A reconciliation of non-GAAP financial measures to the comparable GAAP financial measures is included within the following financial statement tables. About Red River Bancshares, Inc. Red River Bancshares, Inc. is the bank holding company for Red River Bank, a Louisiana state-chartered bank established in 1999 that provides a fully integrated suite of banking products and services tailored to the needs of our commercial and retail customers. Red River Bank operates from a network of 28 banking centers throughout Louisiana and two combined loan and deposit production offices, one each in New Orleans, Louisiana and Lafayette, Louisiana. Banking centers are located in the following Louisiana markets: Central, which includes the Alexandria metropolitan statistical area (“MSA”); Northwest, which includes the Shreveport-Bossier City MSA; Capital, which includes the Baton Rouge MSA; Southwest, which includes the Lake Charles MSA; the Northshore, which includes the Slidell-Mandeville-Covington MSA; Acadiana, which includes the Lafayette MSA; and New Orleans, which includes the New Orleans-Metairie MSA. Forward-Looking Statements Statements in this news release regarding our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business, interest rates, and markets, are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements often include words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “outlook,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” The forward-looking statements in this news release are based on current information and on assumptions that we make about future events and circumstances that are subject to a number of risks and uncertainties that are often difficult to predict and beyond our control. As a result of those risks and uncertainties, our actual financial results in the future could differ, possibly materially, from those expressed in or implied by the forward-looking statements contained in this news release and could cause us to make changes to our future plans. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in the section titled “Risk Factors” in our most recent Annual Report on Form 10-K and any subsequent quarterly reports on Form 10-Q, and in other documents that we file with the SEC from time to time. In addition, our actual financial results in the future may differ from those currently expected due to additional risks and uncertainties of which we are not currently aware or which we do not currently view as, but in the future may become, material to our business or operating results. Due to these and other possible uncertainties and risks, readers are cautioned not to place undue reliance on the forward-looking statements contained in this news release or to make predictions based solely on historical financial performance. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law. All forward-looking statements, express or implied, included in this news release are qualified in their entirety by this cautionary statement. Contact: Isabel V. Carriere, CPA, CGMA Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary 318-561-4023 [email protected]

Red River Bancshares (RRBI) came out with quarterly earnings of $1.81 per share, beating the Zacks Consensus Estimate of $1.69 per share. This compares to earnings of $1.52 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +7.42%. A quarter ago, it was expected that this holding company for Red River Bank would post earnings of $1.63 per share when it actually produced earnings of $1.73, delivering a surprise of +6.13%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Red River Bancshares, which belongs to the Zacks Banks - Southwest industry, posted revenues of $32.94 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 0.22%. This compares to year-ago revenues of $29.88 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Red River Bancshares shares have added about 30.7% since the beginning of the year versus the S&P 500's gain of 4.2%. While Red River Bancshares has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Red River Bancshares was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.76 on $33.93 million in revenues for the coming quarter and $7.13 on $136.53 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 14% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the broader Zacks Finance sector, Gold.com (GOLD), is yet to report results for the quarter ended March 2026. The results are expected to be released on May 6. This precious metals trading company is expected to post quarterly earnings of $2.17 per share in its upcoming report, which represents a year-over-year change of +804.2%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Gold.com's revenues are expected to be $5.5 billion, up 82.9% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Red River Bancshares, Inc. (RRBI) : Free Stock Analysis Report Gold.com Inc. (GOLD) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research