Red River Bancshares (RRBI) came out with quarterly earnings of $1.51 per share, beating the Zacks Consensus Estimate of $1.43 per share. This compares to earnings of $1.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +5.59%. A quarter ago, it was expected that this holding company for Red River Bank would post earnings of $1.29 per share when it actually produced earnings of $1.52, delivering a surprise of +17.83%.Over the ...

Exhibit 99.1 FOR IMMEDIATE RELEASE Red River Bancshares, Inc. Reports Second Quarter 2025 Financial Results ALEXANDRIA, Louisiana, July 30, 2025 (GLOBE NEWSWIRE) -- Red River Bancshares, Inc. (the "Company") (Nasdaq: RRBI), the holding company for Red River Bank (the "Bank"), announced today its unaudited financial results for the second quarter of 2025. Net income for the second quarter of 2025 was $10.2 million, or $1.51 per diluted common share ("EPS"), a decrease of $156,000, or 1.5%, compared to $10.4 ...

ALEXANDRIA, La., July 24, 2025 (GLOBE NEWSWIRE) -- Red River Bancshares, Inc. (Nasdaq: RRBI) (the “Company”) announced today that on July 24, 2025, its board of directors declared a quarterly cash dividend in an amount equal to $0.15 per share of common stock, up $0.03, or 25%, from $0.12 per share for the prior quarter. The cash dividend is payable on September 18, 2025, to shareholders of record as of the close of business on September 8, 2025. Blake Chatelain, President and Chief Executive Officer of the ...

Core Viewpoint - Red River Bancshares (RRBI) has been upgraded to a Zacks Rank 1 (Strong Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Movement - The Zacks rating system is based on changes in earnings estimates, which are closely correlated with near-term stock price movements [4][6]. - Institutional investors utilize earnings estimates to determine the fair value of stocks, leading to buying or selling actions that affect stock prices [4]. Company Performance and Outlook - The upgrade for Red River Bancshares indicates an improvement in the company's underlying business, which is expected to drive the stock price higher as investors respond positively to this trend [5][10]. - The Zacks Consensus Estimate for Red River Bancshares has increased by 9.6% over the past three months, with expected earnings of $5.86 per share for the fiscal year ending December 2025, showing no year-over-year change [8]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [7]. - Only the top 5% of Zacks-covered stocks receive a "Strong Buy" rating, indicating superior earnings estimate revisions and potential for market-beating returns [9][10].

Shares of Red River Bancshares (RRBI) have been strong performers lately, with the stock up 12.2% over the past month. The stock hit a new 52-week high of $63 in the previous session. Red River Bancshares has gained 16.7% since the start of the year compared to the 9% gain for the Zacks Finance sector and the 3.8% return for the Zacks Banks - Southwest industry.What's Driving the Outperformance?The stock has an impressive record of positive earnings surprises, having beaten the Zacks Consensus Estimate in ...

Group 1 - The company announced a stock repurchase agreement for 100,000 shares at a purchase price of $5.1 million, reflecting a discount to the 10-, 20-, and 30-day volume weighted average price as of May 20, 2025 [1] - The repurchase is part of a previously announced $5.0 million repurchase program, which remains unaffected by this transaction, with approximately $4.7 million of remaining capacity under the program as of May 22, 2025 [1] - The company's President and CEO stated that the repurchase demonstrates a commitment to increasing shareholder value [1] Group 2 - Red River Bancshares, Inc. is the bank holding company for Red River Bank, which was established in 1999 and offers a comprehensive suite of banking products and services [2] - The bank operates 28 banking centers across Louisiana and has a combined loan and deposit production office in New Orleans [2] - The banking centers serve various markets in Louisiana, including Alexandria, Shreveport-Bossier City, Baton Rouge, Lake Charles, Covington, Lafayette, and New Orleans [2]

[PART I - Financial Information](index=5&type=section&id=PART%20I%20Financial%20Information) [Item 1. Financial Statements (Unaudited)](index=5&type=section&id=Item%201.%20Financial%20Statements%20(Unaudited)) This section presents Red River Bancshares' unaudited consolidated financial statements for Q1 2025, detailing balance sheets, income, comprehensive income, equity, and cash flow with notes [Consolidated Balance Sheets](index=5&type=section&id=Consolidated%20Balance%20Sheets) Total assets increased to $3.186 billion as of March 31, 2025, from $3.150 billion at year-end 2024, driven by growth in loans held for investment Consolidated Balance Sheet Highlights (Unaudited) | (in thousands) | March 31, 2025 | December 31, 2024 | | :--- | :--- | :--- | | **Total Assets** | **$3,186,432** | **$3,149,594** | | Total Cash and Cash Equivalents | $252,155 | $268,975 | | Loans held for investment, net | $2,092,907 | $2,053,282 | | Total Deposits | $2,825,676 | $2,805,106 | | **Total Liabilities** | **$2,853,116** | **$2,829,855** | | **Total Stockholders' Equity** | **$333,316** | **$319,739** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) For Q1 2025, net income rose to $10.35 million from $8.19 million in Q1 2024, driven by a 15.2% increase in net interest income, with diluted EPS growing to $1.52 Q1 2025 vs Q1 2024 Income Statement Highlights (Unaudited) | (in thousands, except per share data) | For the Three Months Ended March 31, 2025 | For the Three Months Ended March 31, 2024 | | :--- | :--- | :--- | | Net Interest Income | $24,610 | $21,363 | | Provision for credit losses | $450 | $300 | | Total Noninterest Income | $5,272 | $4,928 | | Total Operating Expenses | $16,588 | $15,873 | | **Net Income** | **$10,352** | **$8,188** | | **Diluted EPS** | **$1.52** | **$1.16** | [Consolidated Statements of Comprehensive Income](index=7&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Comprehensive income for Q1 2025 was $14.24 million, up from $5.98 million in Q1 2024, primarily due to net income growth and positive unrealized gains on securities Comprehensive Income (Unaudited) | (in thousands) | For the Three Months Ended March 31, 2025 | For the Three Months Ended March 31, 2024 | | :--- | :--- | :--- | | Net income | $10,352 | $8,188 | | Total other comprehensive income (loss) | $3,889 | $(2,206) | | **Comprehensive Income (Loss)** | **$14,241** | **$5,982** | [Consolidated Statements of Changes in Stockholders' Equity](index=8&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity increased to $333.3 million by March 31, 2025, driven by net income and other comprehensive income, partially offset by cash dividends - Key drivers for the change in stockholders' equity in Q1 2025 include net income of **$10.35 million** and other comprehensive income of **$3.89 million**, offset by cash dividends of **$813,000**[23](index=23&type=chunk) - The cash dividend per share increased to **$0.12** in Q1 2025 from **$0.09** in Q1 2024[23](index=23&type=chunk) [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash provided by operating activities was $13.9 million in Q1 2025, while investing activities used $50.5 million, resulting in a $16.8 million net decrease in cash Cash Flow Summary (Unaudited) | (in thousands) | For the Three Months Ended March 31, 2025 | | :--- | :--- | | Net cash provided by (used in) operating activities | $13,914 | | Net cash provided by (used in) investing activities | $(50,491) | | Net cash provided by (used in) financing activities | $19,757 | | **Net change in cash and cash equivalents** | **$(16,820)** | | Cash and cash equivalents - end of period | $252,155 | [Notes to Unaudited Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Unaudited%20Consolidated%20Financial%20Statements) These notes detail significant accounting policies, including new standard adoption, and provide breakdowns of securities, loans, deposits, fair value, capital, and EPS, confirming banking as a single segment - The company adopted ASU No. 2024-01 regarding stock compensation on January 1, 2025, which did not have a material impact on the financial statements[31](index=31&type=chunk) - Total securities were **$699.5 million** as of March 31, 2025, with no allowance for credit losses (ACL) recorded for either AFS or HTM securities due to a zero credit loss assumption[36](index=36&type=chunk)[42](index=42&type=chunk)[43](index=43&type=chunk) - The company's banking operations are considered a single reportable operating segment, as the Chief Operating Decision Maker (CODM) assesses performance on a company-wide basis[92](index=92&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=27&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses Q1 2025 financial condition and results, highlighting net income, net interest margin, loan and deposit growth, asset quality, and liquidity, with net income up 11.2% from Q4 2024 [First Quarter 2025 Financial and Operational Highlights](index=27&type=section&id=FIRST%20QUARTER%202025%20FINANCIAL%20AND%20OPERATIONAL%20HIGHLIGHTS) Q1 2025 saw strong financial performance with net income of $10.4 million and diluted EPS of $1.52, improved net interest margin, loan and deposit growth, and a 33.3% dividend increase Q1 2025 Key Performance Metrics | Metric | Q1 2025 | Q4 2024 | | :--- | :--- | :--- | | Net Income | $10.4 million | $9.3 million | | Diluted EPS | $1.52 | $1.37 | | Return on Assets | 1.32% | 1.18% | | Return on Equity | 12.85% | 11.46% | | Net Interest Margin FTE | 3.22% | 3.09% | - The quarterly cash dividend was increased by **33.3%** to **$0.12** per common share[101](index=101&type=chunk) - Completed significant upgrades to online, mobile banking, and bill payment systems to improve digital services[101](index=101&type=chunk) [Results of Operations](index=30&type=section&id=RESULTS%20OF%20OPERATIONS) Net income for Q1 2025 was $10.4 million, a 26.4% increase year-over-year and 11.2% quarter-over-quarter, driven by higher net interest income and improved efficiency Net Income and EPS Comparison | (dollars in thousands, except per share data) | Q1 2025 | Q4 2024 | Q1 2024 | | :--- | :--- | :--- | :--- | | Net Income | $10,352 | $9,306 | $8,188 | | Diluted EPS | $1.52 | $1.37 | $1.16 | [Financial Condition](index=37&type=section&id=FINANCIAL%20CONDITION) As of March 31, 2025, total assets grew to $3.19 billion, supported by increases in deposits and loans held for investment, maintaining a strong capital position Balance Sheet Changes (Q1 2025 vs YE 2024) | (in millions) | March 31, 2025 | Dec 31, 2024 | % Change | | :--- | :--- | :--- | :--- | | Total Assets | $3,186.4 | $3,149.6 | 1.2% | | Loans HFI | $2,114.7 | $2,075.0 | 1.9% | | Total Deposits | $2,825.7 | $2,805.1 | 0.7% | | Stockholders' Equity | $333.3 | $319.7 | 4.2% | [Liquidity and Asset-Liability Management](index=46&type=section&id=LIQUIDITY%20AND%20ASSET-LIABILITY%20MANAGEMENT) The company maintained strong liquidity with $1.66 billion accessible from various sources, managing interest rate risk with an asset-sensitive balance sheet within policy limits - As of March 31, 2025, the company had access to **$1.66 billion** from various liquidity sources, including the FHLB and Federal Reserve Discount Window[192](index=192&type=chunk) - The company's balance sheet is asset-sensitive, meaning assets reprice faster than liabilities, with a **+100 bps** rate shock simulated to increase net interest income by **1.8%** over 12 months[216](index=216&type=chunk) - Unfunded loan commitments totaled **$503.1 million** and standby letters of credit totaled **$14.6 million** as of March 31, 2025[204](index=204&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=50&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section incorporates by reference the detailed discussion on market risk, particularly interest rate sensitivity, from the MD&A, with interest rate volatility as the primary risk - Disclosures about market risk are presented in the MD&A section under "Interest Rate Sensitivity and Market Risk" and are incorporated here by reference[231](index=231&type=chunk) [Item 4. Controls and Procedures](index=51&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective as of March 31, 2025, with no material changes to internal control over financial reporting during Q1 2025 - The Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures were effective as of the end of the period covered by the report[232](index=232&type=chunk) - No changes in internal control over financial reporting occurred during Q1 2025 that have materially affected, or are reasonably likely to materially affect, internal controls[233](index=233&type=chunk) [PART II - Other Information](index=52&type=section&id=PART%20II%20Other%20Information) [Item 1. Legal Proceedings](index=52&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal matters in the ordinary course of business, with no expected material adverse effect on financial condition or results - The company states that it is not involved in any legal proceedings expected to have a material adverse effect on its financial condition or operations[235](index=235&type=chunk) [Item 1A. Risk Factors](index=52&type=section&id=Item%201A.%20Risk%20Factors) No material changes have occurred to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2024 - No material changes have been made to the risk factors disclosed in the Annual Report on Form 10-K for the year ended December 31, 2024[236](index=236&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=52&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company has a $5.0 million stock repurchase program for 2025, with no shares repurchased during Q1 2025, leaving the full amount available - The company did not repurchase any shares of its common stock during the first quarter of 2025[237](index=237&type=chunk) - As of March 31, 2025, **$5.0 million** remained available for repurchase under the 2025 stock repurchase program[237](index=237&type=chunk) [Item 3. Defaults Upon Senior Securities](index=52&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) None - None[238](index=238&type=chunk) [Item 4. Mine Safety Disclosures](index=52&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) Not applicable - Not applicable[239](index=239&type=chunk) [Item 5. Other Information](index=52&type=section&id=Item%205.%20Other%20Information) None - None[240](index=240&type=chunk) [Item 6. Exhibits](index=53&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with the Form 10-Q, including CEO and CFO certifications and financial data in Inline XBRL format - Exhibits filed include CEO and CFO certifications under Sections 302 and 906 of the Sarbanes-Oxley Act[241](index=241&type=chunk) - Financial statements and notes are provided in Inline XBRL format[241](index=241&type=chunk)

Investors might want to bet on Red River Bancshares (RRBI) , as earnings estimates for this company have been showing solid improvement lately. The stock has already gained solid short-term price momentum, and this trend might continue with its still improving earnings outlook.The rising trend in estimate revisions, which is a result of growing analyst optimism on the earnings prospects of this holding company for Red River Bank, should get reflected in its stock price. After all, empirical research shows a ...

Red River Bancshares (RRBI) came out with quarterly earnings of $1.52 per share, beating the Zacks Consensus Estimate of $1.29 per share. This compares to earnings of $1.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 17.83%. A quarter ago, it was expected that this holding company for Red River Bank would post earnings of $1.23 per share when it actually produced earnings of $1.37, delivering a surprise of 11.38%.Over the ...

Financial Performance - Net income for Q1 2025 was $10.4 million, an increase of $1.0 million, or 11.2%, from Q4 2024, and up $2.2 million, or 26.4%, from Q1 2024[2] - Net income for the three months ended March 31, 2025, was $10,352,000, an increase of 11.25% from $9,306,000 in the previous quarter and 26.56% from $8,188,000 in the same quarter last year[52] - Earnings per share (diluted) increased to $1.52, up from $1.37 in the previous quarter and $1.16 in the same quarter last year, representing a year-over-year growth of 30.34%[52] - The efficiency ratio improved to 55.51%, down from 58.71% in the previous quarter and 60.37% a year ago, indicating better cost management[52] - Return on average assets improved to 1.32%, compared to 1.18% in the previous quarter and 1.07% a year ago, reflecting enhanced asset utilization[52] Income and Revenue - Net interest income for Q1 2025 was $24.6 million, which was $923,000, or 3.9%, higher than the prior quarter[11] - Noninterest income totaled $5.3 million for Q1 2025, an increase of $277,000, or 5.5%, compared to the previous quarter[15] - Net interest income for the quarter was $24,610,000, up from $23,687,000 in the previous quarter and $21,363,000 in the same quarter last year, reflecting a year-over-year increase of 15.66%[52] - Net interest income rose to $24,610 thousand for the three months ended March 31, 2025, up from $23,687 thousand in the previous quarter, representing an increase of 3.89%[54] Assets and Liabilities - As of March 31, 2025, total assets were $3.19 billion, an increase of $36.8 million, or 1.2%, from December 31, 2024[23] - Total assets reached $3,186,432,000, a 1.17% increase from $3,149,594,000 at the end of the previous quarter and a 2.74% increase from $3,101,750,000 a year ago[50] - Total deposits totaled $2.83 billion as of March 31, 2025, an increase of $20.6 million, or 0.7%, compared to December 31, 2024[5] - Total deposits rose to $2,825,676,000, a 0.25% increase from $2,805,106,000 in the previous quarter and a 2.85% increase from $2,747,125,000 a year ago[50] Loans and Credit Quality - Loans held for investment increased by $39.7 million, or 1.9%, to $2.11 billion as of March 31, 2025[23] - Nonperforming loans to loans held for investment ratio increased to 0.24%, compared to 0.16% in the previous quarter and 0.12% a year ago, suggesting a slight deterioration in credit quality[52] - The provision for credit losses was $450,000 for Q1 2025, an increase of $150,000 from the prior quarter[14] - The company reported a provision for credit losses of $450,000, an increase from $300,000 in both the previous quarter and the same quarter last year, indicating a cautious approach to potential credit risks[52] Stockholders' Equity - Total stockholders' equity increased by $13.6 million, or 4.2%, to $333.3 million as of March 31, 2025, driven by $10.4 million of net income[40] - Stockholders' equity increased to $326,707 thousand as of March 31, 2025, compared to $323,029 thousand at the end of the previous quarter, showing a growth of 0.83%[54] - The tangible common equity (non-GAAP) was reported at $331,770 thousand as of March 31, 2025, up from $318,193 thousand in the previous quarter, indicating a solid capital position[59] - The total stockholders' equity to assets ratio improved to 10.46% as of March 31, 2025, compared to 10.15% in the previous quarter, indicating a stronger capital structure[59] Dividends - The quarterly cash dividend increased by 33.3% to $0.12 per share for Q1 2025, up from $0.09 per share for each quarter in 2024[3] - Cash dividends per share increased to $0.12, up from $0.09 in the previous quarter and the same as the previous year, indicating a stable dividend policy[52] Other Metrics - The net interest margin FTE increased by 13 basis points to 3.22% for Q1 2025, compared to 3.09% for the prior quarter[12] - The net interest margin improved to 3.17% for the three months ended March 31, 2025, compared to 3.04% in the previous quarter, indicating a positive trend in profitability[54] - The cost of deposits decreased to 1.61% for the three months ended March 31, 2025, down from 1.71% in the previous quarter, reflecting improved funding efficiency[54] - Nonperforming assets (NPAs) totaled $5.2 million as of March 31, 2025, an increase of $1.9 million, or 58.6%, from December 31, 2024[32]