BlastPoint's Banking Scorecard
Red River Bank
Community
Specialty: Commercial
LA
FDIC cert 34980
Alexandria, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Red River Bank shows strong momentum with 1 strength and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+6.4% YoY
+4.2% QoQ
|
+$2.0B |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.2B
+8.4% YoY
+3.5% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$3.0B
+5.7% YoY
+4.4% QoQ
|
+$1.8B |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.36%
+20.3% YoY
+1.1% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.47%
+13.7% YoY
+1.2% QoQ
|
-0.19% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
56.13%
-7.4% YoY
-0.4% QoQ
|
-6.51% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.16%
-0.2% YoY
+38.6% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
74.99%
+2.6% YoY
-0.9% QoQ
|
-8.07% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
31.36%
+0.3% YoY
-4.3% QoQ
|
+10.32% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+1.6% YoY
+39.0% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
16.65%
-0.9% YoY
-0.9% QoQ
|
+6.41% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.69%
-9.0% YoY
+28.8% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#49 of 371 · Top 13% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Deposits
Current: $3.0B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.36% · Tier avg: 21.05%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.65% · Tier avg: 10.24%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
72
72th pctile
Loan-to-Deposit Ratio
Current: 74.99% · Tier avg: 83.06%
70
70th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
69
69th pctile
Efficiency Ratio
Current: 56.13% · Tier avg: 62.63%
67
67th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
Top Weaknesses
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
67
67th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
69
69th pctile
Efficiency Ratio
Current: 56.13% · Tier avg: 62.63%
70
70th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
72
72th pctile
Loan-to-Deposit Ratio
Current: 74.99% · Tier avg: 83.06%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.65% · Tier avg: 10.24%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.36% · Tier avg: 21.05%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $3.0B · Tier avg: $1.2B