Red River Bancshares Inc (RRBI) - Net Assets
Based on the latest financial reports, Red River Bancshares Inc (RRBI) has net assets worth $365.15 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.35 Billion) and total liabilities ($2.99 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check RRBI cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $365.15 Million |
| % of Total Assets | 10.9% |
| Annual Growth Rate | 10.24% |
| 5-Year Change | 22.47% |
| 10-Year Change | N/A |
| Growth Volatility | 10.48 |
Red River Bancshares Inc - Net Assets Trend (2016–2025)
This chart illustrates how Red River Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Also explore Red River Bancshares Inc assets under control for the complete picture of this company's asset base.
Annual Net Assets for Red River Bancshares Inc (2016–2025)
The table below shows the annual net assets of Red River Bancshares Inc from 2016 to 2025. For live valuation and market cap data, see Red River Bancshares Inc stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $365.15 Million | +14.20% |
| 2024-12-31 | $319.74 Million | +5.23% |
| 2023-12-31 | $303.85 Million | +14.34% |
| 2022-12-31 | $265.75 Million | -10.87% |
| 2021-12-31 | $298.15 Million | +4.44% |
| 2020-12-31 | $285.48 Million | +13.33% |
| 2019-12-31 | $251.90 Million | +30.04% |
| 2018-12-31 | $193.70 Million | +8.76% |
| 2017-12-31 | $178.10 Million | +17.31% |
| 2016-12-31 | $151.82 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Red River Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 207.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $377.73 Million | 103.45% |
| Common Stock | $27.54 Million | 7.54% |
| Other Comprehensive Income | $-43.34 Million | -11.87% |
| Other Components | $3.22 Million | 0.88% |
| Total Equity | $365.15 Million | 100.00% |
Red River Bancshares Inc Competitors by Market Cap
The table below lists competitors of Red River Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Energy Recovery Inc
NASDAQ:ERII
|
$584.81 Million |
|
Echo Investment SA
WAR:ECH
|
$584.93 Million |
|
Chang Jiang Shipping Group Phoenix Co Ltd
SHE:000520
|
$584.99 Million |
|
Aris Water Solutions Inc
NYSE:ARIS
|
$585.02 Million |
|
China National Complete Plant Import & Export Corp Ltd
SHE:000151
|
$584.52 Million |
|
Dongwon F & B
KO:049770
|
$584.51 Million |
|
Yieh United Steel
TWO:9957
|
$584.51 Million |
|
Skipper Limited
NSE:SKIPPER
|
$584.19 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Red River Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 319,739,000 to 365,150,000, a change of 45,411,000 (14.2%).
- Net income of 42,764,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 16,906,000.
- Other factors decreased equity by 14,259,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $42.76 Million | +11.71% |
| Other Comprehensive Income | $16.91 Million | +4.63% |
| Other Changes | $-14.26 Million | -3.9% |
| Total Change | $- | 14.20% |
Book Value vs Market Value Analysis
This analysis compares Red River Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.68x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.39x to 1.68x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $20.80 | $91.34 | x |
| 2017-12-31 | $24.70 | $91.34 | x |
| 2018-12-31 | $26.86 | $91.34 | x |
| 2019-12-31 | $35.40 | $91.34 | x |
| 2020-12-31 | $38.87 | $91.34 | x |
| 2021-12-31 | $40.84 | $91.34 | x |
| 2022-12-31 | $36.92 | $91.34 | x |
| 2023-12-31 | $42.31 | $91.34 | x |
| 2024-12-31 | $46.22 | $91.34 | x |
| 2025-12-31 | $54.46 | $91.34 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Red River Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.71%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 25.18%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.18x
- Recent ROE (11.71%) is above the historical average (10.83%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 9.95% | 22.14% | 0.04x | 10.83x | $-80.30K |
| 2017 | 7.85% | 19.96% | 0.04x | 9.68x | $-3.83 Million |
| 2018 | 11.90% | 28.62% | 0.04x | 9.61x | $3.69 Million |
| 2019 | 9.85% | 28.03% | 0.04x | 7.89x | $-365.80K |
| 2020 | 9.86% | 28.29% | 0.04x | 9.26x | $-402.80K |
| 2021 | 11.05% | 32.69% | 0.03x | 10.82x | $3.14 Million |
| 2022 | 13.89% | 32.83% | 0.04x | 11.60x | $10.34 Million |
| 2023 | 11.48% | 32.16% | 0.03x | 10.30x | $4.49 Million |
| 2024 | 10.71% | 21.84% | 0.05x | 9.85x | $2.26 Million |
| 2025 | 11.71% | 25.18% | 0.05x | 9.18x | $6.25 Million |
Industry Comparison
This section compares Red River Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Red River Bancshares Inc (RRBI) | $365.15 Million | 9.95% | 8.18x | $584.66 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Red River Bancshares Inc
Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to commercial and retail customers in the United States. The company offers various deposit products, including checking, saving, money market accounts, and time deposits. It also provides commercial real estate loans; one-to-four family mortgage loans and home equity lines… Read more