# RED RIVER BANK
ALEXANDRIA, LA · FDIC certificate 34980 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.31B | |
| Deposits | $2.91B | |
| Loans and leases | $2.27B | |
| Total equity | $375.0M | |
| Loans / deposits | 76.94% (p26 of band) | 87.10% |
| Liquid assets / assets | 28.19% (p73 of band) | |
| Uninsured deposits / deposits | 31.72% (p53 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.49% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -18.05% (p23 of band) | -7.75% |
| AOCI / equity | -0.36% (p46 of band) | |
| ROA (annualized) | 1.46% (p68 of band) | 1.26% |
| Net interest margin | 3.63% (p44 of band) | 3.70% |
| Efficiency ratio | 53.66% (p35 of band) | |
| Noncurrent loans | 0.11% (p14 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 1020.64% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 62.45% (p65 of band) | |
| Auto loans | $5.4M (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $16.2M (4% of equity) (p82 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 384 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Red River Bank makes LSU100 list of fastest growing companies - KALB | News Channel 5](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTUw1MjhEOGE5SThOb0FJWUdfQVhFdkFRemlzeko4cVlKTmEydUJzcWllNThoSUNSMWs4cjI5OVloZ2hJNXZ2c09uUjZvSjNGaU1VdXZFVm1xMG1vdUZ0VGRGYnV3WXV4dEJ3SHdIOVZqbEtJQmw0QzZFNk16TzhJUkpPeWJoT0NZZGVRNFI5eG9KQVJqbGfSAaoBQVVfeXFMUHhQRTgyVi1SXzVtS2ZuNk02aWdJMTNuOGJsb1gtYi1BR1Nla2h6UHl5VVBBSW9mNGNzZkg0bTlsQWZCeTh4bnF6eUdZX1U2UVdSNmx5T3VISTdnSlJnT2lha1FzUkxDMnZENHVMWk0zT1NxR1lzQlFLdkdmdUpuZTcxdzh5bk90alZrZV9IQ2p1MUVBdklibTM5Q1YzMmNzVko0TDFXNFdBREE?oc=5) · KALB | News Channel 5
- 2026-09-08 [Red River Bank makes 2026 LSU100 List of Fastest Growing Companies - klax-tv.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOcWNOU20tVEtUbXdUSmM3cDhtM3dxWnFMNmw4c2R0d0RFallrM2EtVjlvVm5DR3N5ajJnVmxUOWxycVN0ZnV1SnhpVzN5d0hNMEhiR3VZZ3p2REJ6NkJrTGV3RGtiT0NGSGVZOGlqNU1ORVc2T2tnRTdPV2c5M2V6Wno5YnhHUlU4UEtubmNXdGlwdkxKdXJ6Rlc2c054OGpGVFpTV0JKb1V5TzR5SW9DelFHaEJERlp6bi1zcTNXZmVnY0d3S2taNEJUM0xiemVSOTBPU21IZldURUpYQnc?oc=5) · klax-tv.com
- 2026-09-08 [Red River Bank makes LSU100 List - KALB | News Channel 5](https://news.google.com/rss/articles/CBMie0FVX3lxTE5mVHFxRjBtVUxqaE9qQTZualhuR3ZvWkdDTDZ4VFBxejFOazRPeU15VVllUWs1cDVKdkhTY1FfelFzdnRKQ2VNaWIydWFIUDlESnRBOFBzdlBPQVg5QjJqbHc5MUhSTTU2YS1VNUU2RHlHLTd6YlFfVWp4UQ?oc=5) · KALB | News Channel 5
- 2026-07-20 [Red River Bank Opens New Banking Center - Biz New Orleans](https://news.google.com/rss/articles/CBMidEFVX3lxTE5lc2V1dlVzRFhfRFcxbWtPdVF5aTJmR1hEbXRKMzJ4bExkNFN6dmR1NU5GZDZydWQ2cEJ3bU5RWUlVLUoyalNKMEp1b0lHbm9GemZXRDhXYjZDbjdSM0hOSUVpTHQ3SlhUdWs3dzJhajhyYkFS?oc=5) · Biz New Orleans
- 2026-08-18 [Red River Bank swaps one downtown Shreveport location for another - The Shreveport-Bossier City Advocate](https://news.google.com/rss/articles/CBMigwJBVV95cUxNVnVXZFFCb29qWHE4Tk42eEZBLVZZaVpyQzZuc1BIdUVDamJKelBubVhtX2tDVmtGSGdEUmI2bkdJajVpbmJnZWJIVWNyUDhGZlktSDN4Q041aU43WXFDRFRBZGhNRkNIeENZMWNSRUExQmRhVTlYRTNPVjQweTY3aVBRUHBqa0RBaHMtV0JSU0JvcDN3ZUFYZUxvdi1Bc1lxaFpWdU42TzBrMjJxdWc0OUpsNUVxb1E3NnRIdE9nSWptN0pGSm4zUVFla0VUYzBiQ3lONm54U3JSZWxGNW1ZSmtPWjVoUVh4MHhXUms0Z2NzMURLMFN5VDdEVDMzLTNFVGdr?oc=5) · The Shreveport-Bossier City Advocate
- 2026-05-09 [Red River Bank enhances banking experience with new, enhanced locations - KTALnews.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE15M05KRjVwWWt3WW5XMVdjeXRYMFh3SlRjMTZfUDRZMjkzN20tX2EzbVozcXhmY1FGX05VUURfSk95eFhjcGZnVFhzSW5vNV9mVS0ySmp1NnJLNnp1S3loWkdXUFVrcHRWdVFDUXpYTjBFb3lsZmfSAXtBVV95cUxQT2VRdUNKR0RPLVpKVnVaZ0p1TmFPNERyOU5obWpkaEJiNjZZUEp0ek9sRl9GVGFpQU8yUmpmTE50WE1xMEwwTUhSRU53a3JZd1B5bEw5THFJTnJIUnBRQVZ1Unk1UUpmQS1EYVVVMXE3dU5ybTd0Q2lmNWc?oc=5) · KTALnews.com
- 2026-07-20 [Red River Bank opens consolidated New Orleans banking center - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMimAFBVV95cUxQR3JhLXcxVjdhOF9KVHFnSXJJUW5oSjh0RXZCOFRqQ0dtUWVKbXZiYjZwZHM4bDhYdU9lMmlVWTB6aTdoV0QtWk1sbG5mSDBSa2pjY3FIQmlsVDladHpCOFVnNFpJYzFSTEMyTUV1NHpEZENKMjg1ck1YWTlEMXZRb1VZalRKdEZpa3U1TTAwM3FnRmRyZmVhVw?oc=5) · New Orleans CityBusiness
- 2026-07-07 [Thieves used possibly stolen truck to rip ATM from Baton Rouge bank, police say - WAFB](https://news.google.com/rss/articles/CBMipgFBVV95cUxPREtmb1p2VDlGYXYwMFY4bzhBTzhJMzdoa2Fyd2NLRmpCM0QyOVhmQ19rRW0yTjdORXdTNmtVLTltNFYxOUZEc3lOYkM5dXEtVnNEdUV1dUZSQng1TlN0Y3ZZWVBPdHdRdFo2WFZqbm5zT09Nell3UXkxV2Jnc25LclFvSkhrZTVLeEtHSnZTRWZobjc3WjBNLVVMYVk1LTRvb2ZoSWJn0gG6AUFVX3lxTE9pcE5aWkd1b1FkMGMwMkJLZDZVVjlWcXhBdlN0eXBEWkdCMUhMUUNTNnR5WnZPSUFKQVBUdEgySksyMFk3S3EtZ2ttbW5kMXNKZU5DSHNwYWlUcVZVQ2VYanloazlZT2pKQmtZMllSYWN5dGlwUlF4OXVvLXFoNjduUU50MDVhX3VEUVItWTBoY1VweGpvTllobkJGZWE1MDVJNHY5bjV2SFVLTHJ2RWlGWDJwb1NwblFVdw?oc=5) · WAFB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34980 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "34980", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide