Red River Bancshares, Inc. (RRBI) Balance Sheet
RRBI balance sheet, 2025
December 31, 2025 · U.S. dollars$3.35B assets = $2.99B liabilities + $365.1M equity
Both columns are drawn to the same scale: what RRBI owns equals what it owes plus shareholders’ equity. Hover a block for its value.
RRBI financial health
Descriptive bands, not a rating. Fiscal 2025.
RRBI balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.64B2016 | $3.35B2025 | +8.2%/yr | |
| Total liabilities | $1.49B2016 | $2.99B2025 | +8.0%/yr | |
| Shareholders’ equity | $151.8M2016 | $365.1M2025 | +10.2%/yr | |
| Cash & short-term investments | $120.5M2016 | $217.8M2025 | +6.8%/yr | |
| Total debt | $11.8M2016 | $1.5M2025 | −20.2%/yr | |
| Net cash (debt) | $108.8M2016 | $216.3M2025 | +$107.5M | |
| Working capital | −$905.6M2016 | −$2.74B2025 | −$1.8B | |
| Book value per share | $20.802016 | $54.462025 | +11.3%/yr | |
| Debt / equity | 0.082016 | 0.002025 | −0.07 | |
| Shares outstanding | 7.3M2016 | 6.7M2025 | −0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
RRBI assets
RRBI liabilities and equity
RRBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
RRBI balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $217.8M | $286.8M | $875.5M | $892.8M | $1.44B | $945.4M | $468.9M | $459.8M | $405.0M | $120.5M |
| Cash & equivalents | $213.4M | $269.0M | $305.4M | $278.4M | $784.9M | $447.2M | $133.3M | $151.9M | $59.7M | $120.5M |
| Short-term investments | $4.4M | $17.8M | $570.1M | $614.4M | $659.2M | $498.2M | $335.6M | $307.9M | $345.3M | $0 |
| Receivables | $11.1M | $10.0M | $9.9M | $8.8M | $6.2M | $6.9M | $5.3M | $5.0M | $4.9M | $0 |
| Inventory | $0 | $0 | $43.1M | −$287.2M | −$791.8M | −$455.0M | −$139.7M | −$156.9M | −$64.6M | $346,000 |
| Other current assets | $0 | $0 | $0 | $287.2M | $791.8M | $455.0M | $139.7M | $156.9M | $64.6M | $4.5M |
| Total current assets | $229.0M | $296.9M | $885.5M | $901.6M | $1.45B | $952.3M | $474.1M | $464.8M | $409.9M | $125.4M |
| Property, plant & equipment (net) | $60.8M | $62.2M | $60.7M | $58.5M | $51.8M | $51.1M | $46.3M | $39.7M | $35.9M | $34.0M |
| Goodwill & intangible assets | $1.5M | $3.1M | $3.1M | $3.1M | $3.1M | $3.1M | $3.1M | $3.1M | $0 | $0 |
| Long-term investments | $775.4M | $687.2M | $716.5M | $779.5M | $670.5M | $505.7M | $340.9M | $313.0M | $355.6M | $316.2M |
| Other non-current assets | $2.28B | $2.10B | $1.46B | $1.34B | $1.05B | $1.13B | $1.12B | $1.04B | $922.8M | $1.17B |
| Total assets | $3.35B | $3.15B | $3.13B | $3.08B | $3.22B | $2.64B | $1.99B | $1.86B | $1.72B | $1.64B |
| Liabilities | ||||||||||
| Accounts payable | $6.1M | $7.6M | $8.0M | $1.6M | $1.3M | $1.8M | $2.2M | $1.8M | $1.5M | $1.47B |
| Short-term debt | $1.5M | $596,000 | $631,000 | $4.3M | $3.8M | $529,000 | $4.6M | $0 | $0 | $0 |
| Deferred revenue | — | — | −$8.0M | — | −$2.5M | $1.2M | −$2.4M | — | — | — |
| Total current liabilities | $2.97B | $2.81B | $2.81B | $2.81B | $2.92B | $2.35B | $1.73B | $1.66B | $1.53B | $1.03B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $11.3M | $11.3M | $11.3M |
| Lease obligations | $1.5M | $2.9M | $3.8M | $4.3M | $3.8M | $4.2M | $4.6M | — | — | — |
| Other long-term liabilities | $16.2M | $17.2M | $15.1M | $4.3M | $3.8M | $4.2M | $4.6M | $0 | $182,000 | $450.7M |
| Total liabilities | $2.99B | $2.83B | $2.82B | $2.82B | $2.93B | $2.36B | $1.74B | $1.67B | $1.55B | $1.49B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $27.5M | $38.7M | $55.1M | $60.0M | $60.2M | $68.1M | $68.1M | $41.1M | $45.5M | $33.4M |
| Retained earnings (deficit) | $377.7M | $338.6M | $306.8M | $274.8M | $239.9M | $209.0M | $182.6M | $159.1M | $137.9M | $122.8M |
| Treasury stock | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$43.3M | −$60.2M | −$60.5M | −$71.2M | −$3.8M | $6.9M | −$24,000 | −$7.5M | −$5.4M | −$4.4M |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $365.1M | $319.7M | $303.9M | $265.8M | $298.1M | $285.5M | $251.9M | $193.7M | $178.1M | $151.8M |
| Key figures | ||||||||||
| Total debt | $1.5M | $2.9M | $3.8M | $4.3M | $3.8M | $4.2M | $4.6M | $11.3M | $11.5M | $11.8M |
| Net cash (debt) | $216.3M | $284.0M | $871.8M | $888.5M | $1.44B | $941.2M | $464.3M | $448.4M | $393.5M | $108.8M |
| Working capital | −$2.74B | −$2.52B | −$1.92B | −$1.91B | −$1.47B | −$1.40B | −$1.26B | −$1.19B | −$1.12B | −$905.6M |
| Tangible book value | $363.6M | $316.6M | $300.8M | $262.7M | $295.1M | $282.4M | $248.8M | $190.6M | $178.1M | $151.8M |
| Book value per share | $54.46 | $46.22 | $42.31 | $36.92 | $40.84 | $38.87 | $35.40 | $26.86 | $24.70 | $20.80 |
| Shares outstanding | 6.7M | 6.9M | 7.2M | 7.2M | 7.3M | 7.3M | 7.1M | 7.2M | 7.2M | 7.3M |
| Current ratio | 0.08 | 0.11 | 0.32 | 0.32 | 0.50 | 0.40 | 0.27 | 0.28 | 0.27 | 0.12 |
| Quick ratio | 0.08 | 0.11 | 0.32 | 0.32 | 0.50 | 0.40 | 0.27 | 0.28 | 0.27 | 0.12 |
| Debt / equity | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.06 | 0.06 | 0.08 |
| Equity / assets | 10.9% | 10.2% | 9.7% | 8.6% | 9.2% | 10.8% | 12.7% | 10.4% | 10.3% | 9.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $934.0M | $214.6M | $217.8M | $165.3M | $609.4M | $263.1M | $286.8M | $793.2M | $740.0M | $775.8M | $875.5M | $851.2M |
| Cash & equivalents | $195.4M | $210.5M | $213.4M | $161.1M | $42.5M | $252.2M | $269.0M | $232.6M | $213.1M | $229.8M | $305.4M | $322.2M |
| Short-term investments | $738.6M | $4.1M | $4.4M | $4.3M | $567.0M | $11.0M | $17.8M | $560.6M | $526.9M | $546.0M | $570.1M | $529.0M |
| Receivables | $10.3M | $11.4M | $11.1M | $10.3M | $10.0M | $10.6M | $10.0M | $9.5M | $9.6M | $10.0M | $9.9M | $8.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$609.7M | −$714.5M | −$766.4M | −$832.4M | −$331.0M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $609.7M | $714.5M | $766.4M | $832.4M | $331.0M |
| Total current assets | $944.3M | $226.0M | $229.0M | $175.6M | $619.5M | $273.7M | $296.9M | $802.7M | $749.5M | $785.8M | $885.5M | $860.0M |
| Property, plant & equipment (net) | $61.5M | $61.9M | $60.8M | $60.1M | $61.1M | $61.6M | $62.2M | $60.5M | $60.9M | $60.6M | $60.7M | $60.2M |
| Goodwill & intangible assets | $1.5M | $3.1M | $3.1M | $1.5M | $1.5M | $1.5M | $3.1M | $3.1M | $3.1M | $3.1M | $3.1M | $3.1M |
| Long-term investments | $740.8M | $764.8M | $775.4M | $766.9M | $699.6M | $701.9M | $687.2M | $700.0M | $668.9M | $690.5M | $716.5M | $677.5M |
| Other non-current assets | $1.56B | $2.29B | $2.28B | $2.21B | $1.79B | $2.15B | $2.10B | $1.54B | $1.57B | $1.53B | $1.46B | $1.47B |
| Total assets | $3.31B | $3.35B | $3.35B | $3.21B | $3.17B | $3.19B | $3.15B | $3.10B | $3.05B | $3.07B | $3.13B | $3.07B |
| Liabilities | ||||||||||||
| Accounts payable | $6.3M | $6.0M | $6.1M | $6.7M | $6.2M | $6.5M | $7.6M | $11.8M | $8.7M | $9.0M | $8.0M | $6.8M |
| Short-term debt | — | $1.5M | $1.5M | $1.6M | $2.6M | $2.7M | $596,000 | $3.0M | $3.1M | $3.2M | $631,000 | $3.9M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$11.8M | −$12.2M | −$8.0M | — |
| Total current liabilities | $2.91B | $2.95B | $2.97B | $2.85B | $2.6M | $2.83B | $2.81B | $2.76B | $2.73B | $2.75B | $2.81B | $2.77B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Lease obligations | $1.4M | $1.5M | $1.5M | $1.6M | $2.6M | $2.7M | $2.9M | $3.0M | $3.1M | $3.2M | $3.8M | $3.9M |
| Other long-term liabilities | $15.4M | $21.3M | $16.2M | $17.6M | $2.83B | $21.0M | $17.2M | $18.6M | $16.1M | $19.1M | $15.1M | $17.5M |
| Total liabilities | $2.93B | $2.97B | $2.99B | $2.86B | $2.83B | $2.85B | $2.83B | $2.78B | $2.74B | $2.77B | $2.82B | $2.78B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $27.6M | $27.6M | $27.5M | $27.5M | $32.9M | $38.7M | $38.7M | $41.4M | $44.4M | $45.2M | $55.1M | $58.0M |
| Retained earnings (deficit) | $398.2M | $388.1M | $377.7M | $367.3M | $357.5M | $348.1M | $338.6M | $329.9M | $321.7M | $314.4M | $306.8M | $299.1M |
| Accumulated other comprehensive income | −$44.7M | −$45.7M | −$43.3M | −$46.6M | −$58.0M | −$56.4M | −$60.2M | −$49.6M | −$61.7M | −$62.7M | −$60.5M | −$77.5M |
| Total shareholders' equity | $384.6M | $373.3M | $365.1M | $351.3M | $335.4M | $333.3M | $319.7M | $324.3M | $307.0M | $299.3M | $303.9M | $282.0M |
| Key figures | ||||||||||||
| Total debt | $1.4M | $1.5M | $1.5M | $1.6M | $2.6M | $2.7M | $2.9M | $3.0M | $3.1M | $3.2M | $3.8M | $3.9M |
| Net cash (debt) | $932.6M | $213.2M | $216.3M | $163.7M | $606.8M | $260.4M | $284.0M | $790.2M | $736.9M | $772.6M | $871.8M | $847.4M |
| Working capital | −$1.96B | −$2.73B | −$2.74B | −$2.67B | $616.8M | −$2.56B | −$2.52B | −$1.96B | −$1.98B | −$1.97B | −$1.92B | −$1.91B |
| Tangible book value | $383.0M | $370.2M | $362.1M | $349.8M | $333.8M | $331.8M | $316.6M | $321.2M | $303.9M | $296.2M | $300.8M | $278.9M |
| Book value per share | $58.16 | $56.49 | $55.29 | $52.90 | $49.57 | $49.04 | $46.91 | $47.23 | $44.40 | $42.36 | $42.52 | $39.27 |
| Shares outstanding | 6.6M | 6.6M | 6.6M | 6.6M | 6.8M | 6.8M | 6.8M | 6.9M | 6.9M | 7.1M | 7.1M | 7.2M |
| Current ratio | 0.33 | 0.08 | 0.08 | 0.06 | 237.07 | 0.10 | 0.11 | 0.29 | 0.28 | 0.29 | 0.32 | 0.31 |
| Quick ratio | 0.33 | 0.08 | 0.08 | 0.06 | 237.07 | 0.10 | 0.11 | 0.29 | 0.28 | 0.29 | 0.32 | 0.31 |
| Debt / equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Equity / assets | 11.6% | 11.2% | 10.9% | 10.9% | 10.6% | 10.5% | 10.2% | 10.5% | 10.1% | 9.7% | 9.7% | 9.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 13, 2026); data from EODHD.
RRBI financial position
At the end of fiscal 2025 (December 31, 2025), Red River Bancshares had total assets of $3.4 billion (up 6.4% from a year earlier), total liabilities of $3.0 billion and shareholders' equity of $365.1 million. It held $217.8 million in cash and short-term investments against $1.5 million of debt, a net cash position of $216.3 million. Its current ratio was 0.08. In the latest quarter (ended June 30, 2026) total assets were $3.3 billion and equity $384.6 million.
Related: RRBI income statement, RRBI cash flow statement, RRBI key metrics. See the RRBI stock overview for the latest quote and news.
RRBI balance sheet FAQ
What are Red River Bancshares's total assets?
Red River Bancshares reported total assets of $3.4 billion at the end of fiscal 2025 (December 31, 2025), compared with $3.1 billion a year earlier.
How much debt does Red River Bancshares have?
Red River Bancshares had $1.5 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.00.
How much cash does Red River Bancshares have?
Red River Bancshares held $217.8 million in cash and short-term investments at the end of fiscal 2025; with $1.5 million of debt that is net cash of $216.3 million.
What is Red River Bancshares's book value?
Red River Bancshares's shareholders' equity (book value) was $365.1 million at the end of fiscal 2025, or $54.46 per share.
What is Red River Bancshares's current ratio?
Red River Bancshares had current assets of $229.0 million and current liabilities of $3.0 billion, a current ratio of 0.08 (current liabilities exceed current assets).
How much goodwill does Red River Bancshares have?
Red River Bancshares carried $1.5 million of goodwill and intangible assets, 0.0% of total assets, at the end of fiscal 2025.