| Metric | Red River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +5.7% | +5.9% | -0.2 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 13.3% | 12.2% | +1.2 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.31B | $2.91B | $2.24B | $375.0M | $24.4M | 1.46% | 3.63% | 0.08% |
| Q1 2026 | $3.35B | $2.95B | $2.23B | $364.1M | $12.3M | 1.47% | 3.58% | 0.13% |
| Q4 2025 | $3.35B | $2.97B | $2.23B | $356.1M | $43.7M | 1.36% | 3.47% | 0.11% |
| Q3 2025 | $3.21B | $2.85B | $2.15B | $342.6M | $32.1M | 1.35% | 3.43% | 0.08% |
| Q2 2025 | $3.17B | $2.82B | $2.12B | $327.0M | $21.2M | 1.34% | 3.37% | 0.04% |
| Q1 2025 | $3.19B | $2.83B | $2.10B | $325.2M | $10.7M | 1.35% | 3.29% | 0.16% |
| Q4 2024 | $3.15B | $2.81B | $2.06B | $312.7M | $35.1M | 1.13% | 3.05% | 0.10% |
| Q3 2024 | $3.10B | $2.75B | $2.04B | $318.3M | $25.6M | 1.10% | 3.00% | 0.10% |
Loan mix (Q2 2026): real estate $1.79B · commercial $362.4M · consumer $26.8M · securities $738.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Red River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 59.0% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Red River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Red River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Red River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Red River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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