secwatch.observer — SEC 8-K summary
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Issuer:     RED RIVER BANCSHARES INC (RRBI)
CIK:        0001071236
Form:       8-K
Filed at:   2025-01-30T23:59:59+00:00
Accession:  0001071236-25-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1071236/000107123625000004/0001071236-25-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1071236/000107123625000004/rrbi-20250130.htm
  HTML page:      https://secwatch.observer/filing/0001071236-25-000004

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