RRBIMEDIUM SIGNALFINANCIAL10-K

RRBI expanded its Louisiana market presence with a new Lafayette loan production office while delivering solid financial growth across key metrics.

The bank's strategic expansion into Lafayette demonstrates continued geographic diversification within Louisiana, potentially creating new revenue opportunities in the Acadiana market. The combination of strong profitability growth, improved operating cash flow generation, and balance sheet expansion suggests healthy underlying business momentum, though the decline in cash reserves warrants monitoring for liquidity management.

Comparing 2026-03-13 vs 2025-03-14View on EDGAR →
FINANCIAL ANALYSIS

RRBI delivered strong financial performance with net income growing nearly 25% to $42.8M while operating cash flow increased 17% to $44.8M, indicating robust operational execution. The bank maintained disciplined capital allocation with reduced capital expenditures and share buybacks totaling $11.1M. Balance sheet positioning remained solid with stockholders' equity expanding 14% to $365.1M, though cash and equivalents declined 21% to $213.4M, reflecting either strategic deployment of excess liquidity or normal business operations.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
-47.1%
$4.9M→$2.6M

Capex reduced 47.1% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Share Buybacks
Cash Flow
-32.2%
$16.3M→$11.1M

Buyback activity reduced 32.2% — capital being redeployed elsewhere or cash conservation underway.

Net Income
P&L
+24.9%
$34.2M→$42.8M

Net income grew 24.9% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
-20.7%
$269.0M→$213.4M

Cash decreased 20.7% — monitor burn rate and upcoming capital needs.

Operating Cash Flow
Cash Flow
+17%
$38.3M→$44.8M

Operating cash flow grew 17% — strong conversion of earnings to cash, healthy business fundamentals.

Stockholders Equity
Balance Sheet
+14.2%
$319.7M→$365.1M

Equity base grew 14.2% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-03-13
PRIOR — 2025-03-14
ADDED
As of February 27, 2026, the Registrant had 6,577,186 shares of common stock, no par value, issued and outstanding.
As of December 31, 2025, we were the sixth largest financial institution headquartered in Louisiana based on assets, with total assets of $3.35 billion, loans HFI of $2.25 billion, total deposits of $2.96 billion, and total stockholders equity of $365.2 million.
OUR MARKETS As of December 31, 2025, we operated from a network of 28 banking centers throughout Louisiana and two combined LDPOs, one each in New Orleans, Louisiana and Lafayette, Louisiana.
Banking centers are located in the following Louisiana markets: Central, which includes the Alexandria MSA; Northwest, which includes the Shreveport-Bossier City MSA; Capital, which includes the Baton Rouge MSA; Southwest, which includes the Lake Charles MSA; the Northshore, which includes the Slidell-Mandeville-Covington MSA; Acadiana, which includes the Lafayette MSA; and New Orleans, which includes the New Orleans-Metairie MSA.
We operate one banking center and one combined LDPO in our Acadiana market, which we define to include Lafayette Parish.
In the third quarter of 2025, we opened a combined LDPO in Lafayette, Louisiana.
As of December 31, 2025, our non-owner occupied CRE loans were 20.4% of loans HFI.
As of December 31, 2025, our one-to-four family residential loans were 28.0% of loans HFI.
As of December 31, 2025, our construction and development loans were 9.8% of loans HFI.
Commercial and industrial loans comprised 17.5% of loans HFI as of December 31, 2025.
REMOVED
As of February 28, 2025, the Registrant had 6,777,657 shares of common stock, no par value, issued and outstanding.
As of December 31, 2024, we were the sixth largest financial institution headquartered in Louisiana based on assets, with total assets of $3.15 billion, loans HFI of $2.08 billion, total deposits of $2.81 billion, and total stockholders equity of $319.7 million.
OUR MARKETS As of December 31, 2024, we operated from a network of 28 banking centers throughout Louisiana and one combined LDPO in New Orleans, Louisiana.
Banking centers are located in the following Louisiana markets: Central, which includes the Alexandria MSA; Northwest, which includes the Shreveport-Bossier City MSA; Capital, which includes the Baton Rouge MSA; Southwest, which includes the Lake Charles MSA; the Northshore, which includes Covington; Acadiana, which includes the Lafayette MSA; and New Orleans.
We operate one banking center in our Acadiana market, which we define to include Lafayette Parish.
As of December 31, 2024, our non-owner occupied CRE loans were 22.1% of loans HFI.
As of December 31, 2024, our one-to-four family residential loans were 29.6% of loans HFI.
As of December 31, 2024, our construction and development loans were 7.5% of loans HFI.
Commercial and industrial loans comprised 15.8% of loans HFI as of December 31, 2024.
As of December 31, 2024, our tax-exempt loans were 3.1% of loans HFI.
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