Red River Bancshares Q4 net income $9.3M ($1.37 EPS), up 12.2% YoY; NIM expands to 3.09%

RED RIVER BANCSHARES INC

2024-FY EPS reported $4.95

EPS of $1.37, up 6.3% from Q3 and 12.2% from Q4 2023; full year EPS $4.95, down 1.8%.
Net interest margin FTE 3.09% vs 2.98% prior quarter; deposits up 2.1% to $2.81B on seasonal public funds.
Nonperforming assets 0.10% of assets; ACL 1.05% of loans; provision for credit losses $300K.
Repurchased 50,632 shares in Q4 (including $2.5M private deal) and launched new $5M 2025 buyback program.
Expect NIM to improve slightly in H1 2025 due to redeployment of securities cash flows and maturing deposits.

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