BlastPoint's Banking Scorecard
Red River Bank
Designations: ✓ Community bank
Alexandria, LA
29 branches across LA
Red River Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35.5% in tier
- + ROA 0.10% above tier average
- + Efficiency Ratio 8.19% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+5.0% YoY
-0.1% QoQ
|
+$529.7M |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$2.2B
+6.7% YoY
+0.3% QoQ
|
+$269.6M |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$3.0B
+4.3% YoY
-0.6% QoQ
|
+$611.2M |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.47%
+8.9% YoY
+7.7% QoQ
|
+0.10% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.58%
+8.7% YoY
+3.0% QoQ
|
-0.24% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
52.87%
-4.7% YoY
-5.8% QoQ
|
-8.19% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.18%
-24.8% YoY
+15.7% QoQ
|
-0.71% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
75.63%
+2.3% YoY
+0.9% QoQ
|
-8.58% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
31.61%
-2.8% YoY
+0.8% QoQ
|
+10.32% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 13.1% in tier |
| Nonperforming Asset Ratio ? |
0.13%
-21.7% YoY
+20.7% QoQ
|
-0.55% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
17.09%
+1.2% YoY
+2.6% QoQ
|
+1.93% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 14.5% in tier |
| Non-Interest Income / Assets ? |
0.17%
-10.0% YoY
-75.5% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.