BlastPoint's Banking Scorecard

Red River Bank

$1B-$10B Specialty: Commercial LA FDIC cert 34980

Designations: ✓ Community bank

Alexandria, LA

28 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits +3.4% year over year ($2.9B on the books).
Delinquency rate 0.11%.
Return on assets 1.46%.
Efficiency ratio 53.66% vs a 59.73% peer average.
Loan-to-deposit ratio 76.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

Red River Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 21.7% in tier
+ ROA 0.07% above tier average
+ Efficiency Ratio 6.07% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.9% in tier
- Credit Risk Growth: Bottom 21.9% in tier
- Net Interest Margin 0.24% below tier average

Get updates when Red River Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$3.3B +4.5% YoY -1.1% QoQ	+$516.8M	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$2.2B +5.7% YoY +0.3% QoQ	+$278.5M	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$2.9B +3.4% YoY -1.4% QoQ	+$594.7M	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.46% +9.2% YoY -0.3% QoQ	+0.07%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	3.63% +7.5% YoY +1.4% QoQ	-0.24%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	53.66% -4.4% YoY +1.5% QoQ	-6.07%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	0.11% +105.2% YoY -40.4% QoQ	-0.76%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Top 12.9% in tier
Loan-to-Deposit Ratio ?	76.94% +2.2% YoY +1.7% QoQ	-8.09%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	31.97% -1.4% YoY +1.1% QoQ	+10.69%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Top 11.6% in tier
Nonperforming Asset Ratio ?	0.08% +89.8% YoY -37.6% QoQ	-0.59%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Top 12.8% in tier
Tier 1 Capital Ratio ?	17.32% +2.1% YoY +1.3% QoQ	+2.48%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 13.6% in tier
Non-Interest Income / Assets ?	0.35% -4.5% YoY +104.9% QoQ	-0.18%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Noninterest-Bearing	32.0% -0.4pp YoY +0.4pp QoQ	+10.6pp	21.4%	24.6%	22.2%	88%
Brokered Deposits	n/a	n/a	9.5%	6.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	16.2% +1.4pp YoY +0.3pp QoQ	+2.2pp	14.0%	12.6%	12.5%	70%
CRE	49.4% +0.2pp YoY -0.6pp QoQ	-0.7pp	50.0%	44.9%	41.4%	48%
1-4 Family	28.6% -1.1pp YoY +0.1pp QoQ	+2.1pp	26.4%	34.2%	31.3%	63%
Consumer	1.2% -0.1pp YoY 0.0pp QoQ	-3.5pp	4.7%	4.2%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	17.3% +0.4pp YoY +0.2pp QoQ	+1.7pp	15.6%	22.5%	19.7%	84%
Leverage Ratio	12.5% +0.6pp YoY +0.5pp QoQ	+1.2pp	11.3%	13.4%	12.6%	80%
Total Capital Ratio	18.4% +0.4pp YoY +0.2pp QoQ	+1.7pp	16.7%	23.6%	20.8%	84%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	384 +3 (+0.8%) YoY +3 (+0.8%) QoQ	+70	313	114	482	76%
Assets per Employee ($)	$8.6M +3.7% YoY -1.8% QoQ	-$1.9M	$10.5M	$6.8M	$8.8M	49%
Branch Count	29 0 YoY 0 QoQ	+9	20	9	18	81%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	12%
Nonaccrual	0.1% +0.1pp YoY -0.1pp QoQ	-0.7pp	0.8%	1.4%	1.0%	12%
Allowance Coverage	10.21x -48.6% YoY +72.3% QoQ	-8.50x	18.71x	27.36x	20.23x	89%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	13.3% +0.2pp YoY -0.3pp QoQ	+0.8pp	12.6%	12.5%	11.6%	60%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.7%	1.7%	14%
Net Income ($, YTD)	$24.4M +15.0% YoY — QoQ	+$5.1M	$19.2M	$5.1M	$40.4M	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#49 of 221 • Top 21.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#45 of 492 • Bottom 8.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#89 of 402 • Bottom 21.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

104

Non-Interest-Bearing Deposit Share

funding

Value: 31.97%

Peer Median: 21.27%

#104 of 885 Top 11.6% in $1B-$10B

114

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.67%

#114 of 885 Top 12.8% in $1B-$10B

115

Delinquency Rate

credit_quality

Value: 0.11%

Peer Median: 0.87%

#115 of 882 Top 12.9% in $1B-$10B

121

Tier 1 Capital Ratio

capital

Value: 17.32%

Peer Median: 14.84%

#121 of 885 Top 13.6% in $1B-$10B

210

Total Deposits

size

Value: $2.91B

Peer Median: $2.32B

#210 of 885 Top 23.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available