RRBIHIGH SIGNALFINANCIAL10-K

RRBI delivered exceptional financial performance with net income surging 296% to $42.8M driven by massive 293% growth in net interest income.

This represents a dramatic operational turnaround for the regional Louisiana bank, with core banking profitability exploding across all key metrics. The company simultaneously expanded its footprint by opening a new Lafayette LDPO while maintaining strong capital discipline through reduced share buybacks and improved equity position.

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

RRBI experienced explosive growth with net income jumping 296% and net interest income nearly quadrupling, though interest expenses also increased significantly by 235%. The bank strengthened its balance sheet with stockholders' equity growing 14% to $365M and operating cash flow up 17%, while prudently reducing capital expenditures by 47% and share buybacks by 32%. Despite a decline in cash reserves, the overall financial picture signals a bank hitting its stride with exceptional profitability growth and disciplined capital management.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+295.9%
$10.8M→$42.8M

Net income grew 295.9% — bottom-line growth signals improving overall business health.

Net Interest Income
P&L
+292.9%
$38.1M→$149.9M

Net interest income grew 292.9% — benefiting from rate environment or loan book expansion.

Interest Expense
P&L
+234.7%
$9.6M→$32.1M

Interest expense surged 234.7% — significant debt increase or rising rates materially impacting earnings.

Provision for Credit Losses
P&L
+191.7%
$600K→$1.8M

Credit loss provisions surged 191.7% — management flagging significant deterioration in loan quality ahead.

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.

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.
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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.
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