Red River Bancshares Inc. 2026年季度报告

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule 405 of RegulationS-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrantwas required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, anon-acceleratedfiler, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2of the Exchange Act).Yes☐ As of April30, 2026, the registrant had 6,584,696 shares of common stock, no par value, issued and outstanding. TABLE OF CONTENTS PART IFinancial Information Item 1.Financial Statements (Unaudited)Consolidated Balance SheetsConsolidated Statements of IncomeConsolidated Statements of Comprehensive IncomeConsolidated Statements of Changes in Stockholders’ EquityConsolidated Statements of Cash FlowsNotes to Unaudited Consolidated Financial StatementsItem 2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 3.Quantitative and Qualitative Disclosures About Market RiskItem 4.Controls and Procedures PART IIOther Information Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.ExhibitsSignatures GLOSSARY OF TERMS Unless the context indicates otherwise, references in this filing to “we,” “our,” “us,” “the Company,” and “our company” refer to Red RiverBancshares, Inc., a Louisiana corporation and bank holding company, and its consolidated subsidiaries. All references in this filing to CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This Report contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of theExchange Act, which reflect our current views with respect to, among other things, future events and our financial performance. Thesestatements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,”“believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “projection,” “would,” and“outlook,” or the negative version of those words, or such other comparable words or phrases of a future or forward-looking nature.These forward-looking statements are not historical facts and are based on current expectations, estimates, and projections about our There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-lookingstatements, including, but not limited to, the following: •volatility and direction of market interest rates;•business and economic conditions generally, in the financial services industry, nationally, and within our local market areas; •government intervention in the U.S. financial system, including the effects of recent and future legislative, tax, accounting,and regulatory actions and reforms, including the Inflation Reduction Act of 2022, and other stimulus legislation orchanges in banking, securities, accounting, and tax laws and regulations, and their application by our regulators; •changes in management personnel;•increased competition in the financial services industry, particularly from regional and national institutions; •our ability to maintain important deposit customer relationships and our reputation, and to otherwise avoid liquidity risks;•factors that can impact the performance of our loan portfolio, including real estate values and liquidity in our primary market areas, the financial health of our commercial borrowers, and the success of construction projects that we finance,including any loans acquired in acquisition transactions; •changes in the value of collateral securing our loans;•risks associated with system failures or failures to protect against cybersecurity threats, such as breaches of our network security;•deterioration of our asset quality; •the adequacy of our reserves, including our ACL;•operational risks associated with our business; •natural disasters and adverse weather, acts of terrorism, trade and tariff policies, trade wars, pandemics, wars, anoutbreak of hostilities or tensions with other countries, or other international or domestic calamities, and other matters beyond our control;•our ability to prudently manage our growth and execute our strategy; •compliance with the extens