RRBI

EX-99.1

2 rrbiq22026exhibit991.htm

EX-99.1

Document

Exhibit 99.1

FOR IMMEDIATE RELEASE

Red River Bancshares, Inc. Reports Second Quarter 2026 Financial Results

ALEXANDRIA, Louisiana, July 30, 2026 (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 2026.

Net income for the second quarter of 2026 was $11.8 million, or $1.78 per diluted common share (“EPS”), a decrease of $208,000 or 1.7%, compared to $12.0 million, or $1.81 EPS, for the first quarter of 2026, and an increase of $1.6 million, or 15.4%, compared to $10.2 million, or $1.51 EPS, for the second quarter of 2025. For the second quarter of 2026, the quarterly return on assets was 1.43%, and the quarterly return on equity was 12.41%.

Net income for the six months ended June 30, 2026, was $23.7 million, or $3.59 EPS, an increase of $3.2 million, or 15.5%, compared to $20.5 million, or $3.03 EPS, for the six months ended June 30, 2025. For the six months ended June 30, 2026, the return on assets was 1.44%, and the return on equity was 12.68%.

Second Quarter 2026 Performance and Operational Highlights

The second quarter of 2026 financial results included an improved net interest margin and net interest income, as well as slightly lower assets and net income. We completed our Northwest market expansion and banking center relocation project. Also, one of our founding directors retired, and we welcomed two new directors to our board.

•Net income for the second quarter of 2026 was $11.8 million, down $208,000, or 1.7%, from the prior quarter. Net income for the second quarter was impacted by an expected $1.0 million increase in operating expenses, partially offset by a $563,000 increase in net interest income. Net income for the first quarter of 2026 benefited from approximately $590,000 of periodic items that reduced operating expenses.

•Net interest income increased $563,000, or 2.0%, and net interest margin fully taxable equivalent (“FTE”) increased 10 basis points (“bp(s)”) to 3.61% for the second quarter of 2026, compared to 3.51% for the prior quarter.

•As of June 30, 2026, assets were $3.31 billion, down $35.3 million, or 1.1%, from $3.35 billion as of March 31, 2026, as a result of a $40.9 million decrease in deposits.

•Deposits totaled $2.91 billion as of June 30, 2026, down $40.9 million, or 1.4%, from $2.95 billion as of March 31, 2026. This decrease was primarily due to the seasonal outflow of funds from customer income tax payments, along with fluctuations in lawyer trust accounts due to the timing of legal settlements.

•As of June 30, 2026, loans held for investment (“HFI”) were $2.26 billion, up slightly from $2.25 billion as of March 31, 2026. In the second quarter of 2026, new loan originations and construction commitment fundings exceeded payments and payoffs.

•In the second quarter of 2026, nonperforming assets (“NPA(s)”) decreased $1.6 million, or 38.3%, to $2.6 million, or 0.08% of assets, as of June 30, 2026. This improvement was due to the successful resolution of problem loans, which resulted in the receipt of $180,000 of related interest income and collection expense reimbursements.

•We paid a quarterly cash dividend of $0.25 per common share in the second quarter of 2026.

•The 2026 stock repurchase program authorizes us to purchase up to $10.0 million of our outstanding shares of common stock from January 1, 2026 through December 31, 2026. There was no stock repurchase activity in the first half of 2026. As of June 30, 2026, the 2026 stock repurchase program had $10.0 million of available capacity.

•We continued to implement our organic expansion plan with the following projects:

◦In the Northwest market, we completed our relocation projects. In May 2026, we relocated our Northwest market leadership and lenders to our newly constructed Shreveport Commercial and Private Banking Loan and Deposit Production Office, which is adjacent to our East Kings banking center. We also relocated the Market Street banking center, serving our retail customers, to the nearby American Tower building, which has a more efficient cost structure.

◦In the New Orleans market, we recently completed remodeling a portion of the ground floor of the Energy Centre Building on Poydras Street. On July 20, 2026, we relocated the Baronne Street retail banking center and the New Orleans market leadership and lenders to this updated, convenient, and visible location.

◦In the Acadiana market, construction is in process on our second full-service banking center in this market, located on Camellia Boulevard in Lafayette, Louisiana. We expect this location to open early in 2027.

•In May 2026, there were changes to the boards of directors of the Company and the Bank. Founding board member Kirk D. Cooper retired, and A. Peyton Bush, IV and R. Chance DeWitt, M.D. were appointed as new directors of both

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rrbi-202601300001071236false00010712362025-10-302025-10-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

January 30, 2026 Date of Report (Date of earliest event reported)

Red River Bancshares, Inc. (Exact Name of Registrant as Specified in Charter)

Louisiana 001-3888872-1412058

(State or Other Jurisdiction of Incorporation) (Commission File Number) (IRS Employer Identification No.)

1412 Centre Court Drive, Suite 301, Alexandria, Louisiana 71301

(Address of Principal Executive Offices) (Zip Code)

(318) 561-4000 Registrant's telephone number, including area code

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, no par valueRRBIThe Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item. 2.02    Results of Operations and Financial Condition. On January 30, 2026, Red River Bancshares, Inc. (the “Company”) issued a press release announcing its unaudited financial results for the fourth quarter ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1, which is incorporated herein by reference. As provided in General Instruction B.2 to Form 8-K, the information furnished in Item 2.02 and Exhibit 99.1 of this Current Report on Form 8-K shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item. 9.01    Financial Statements and Exhibits. (d)    Exhibits. The following are furnished as exhibits to this Current Report on Form 8-K.

Exhibit Number Description of Exhibit

99.1Press Release issued by Red River Bancshares, Inc., dated January 30, 2026

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: January 30, 2026

RED RIVER BANCSHARES, INC.

By:/s/ Isabel V. Carriere Isabel V. Carriere, CPA, CGMA Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary (Principal Financial Officer and Principal Accounting Officer)