---
schema_version: "secwatch.filing_event.v1"
accession: "0001071236-25-000004"
form_type: "8-K"
ticker: "RRBI"
cik: "0001071236"
company_name: "RED RIVER BANCSHARES INC"
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T05:06:42.572445+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001071236-25-000004
- form_type: 8-K
- ticker: RRBI
- cik: 0001071236
- company_name: RED RIVER BANCSHARES INC
- filed_at: 2025-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1071236/000107123625000004/0001071236-25-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1071236/000107123625000004/rrbi-20250130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001071236-25-000004
- JSON: https://secwatch.observer/filing/0001071236-25-000004.json
- Plain text: https://secwatch.observer/filing/0001071236-25-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.