Updated
The most significant concentration Red River Bancshares discloses is Louisiana at 94.4%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Red River Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'As of December 31, 2025, 94.4% of loans HFI were made to borrowers who reside or conduct business in Louisiana, and substantially all of our real estate loans are secured by properties located in Louisiana.'”
“10-K Item 1A: 'our construction and development loans, non-owner occupied CRE loans, and non-real estate secured loans financing CRE activities totaled $683.3 million, or 30.4% of loans HFI.'”
“10-K Item 1A: 'Health care loans, which were $194.3 million, or 8.6% of loans HFI as of December 31, 2025, are our largest industry concentration.'”
Red River Bancshares' concentration profile is dominated by a single geography: 94.4% of loans held for investment were made to borrowers in Louisiana, with real estate loans substantially secured by Louisiana properties — a high-share, structural concentration that ties the bank's credit performance closely to the state's economy and real estate market. Layered on top of that geographic base is an industry concentration within the loan book: construction, development, and non-owner-occupied CRE-related loans totaled 30.4% of loans held for investment, a medium-share exposure that is also structural to the bank's lending mix. By contrast, health care loans — the bank's largest single industry concentration by its own description — represent a comparatively low 8.6% of the loan book, a dependency-type exposure to that sector's credit performance. Netting these together, the Louisiana geographic concentration is the dominant risk: it is both the largest disclosed share and structural in nature, meaning a state-level economic or real estate downturn would be difficult for the bank to diversify away from, more so than the smaller CRE or health care concentrations layered within it.
For the engine’s reasoning on RRBI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| RRBI● | Red River Bancshares, Inc. | 1 | 1 | 1 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.