Red River Bank Mortgage Rates, Fees & Info

Alexandria, LA

LEI: 5493006QG55R8V712J33

Tax ID: 72-1426574

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Mortgage Data

Bank Data

Review & Overview

Red River Bank is a smaller bank specializing in Refi and Home Purchase loans. Red River Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Alexandria, Shreveport, Baton Rouge, New Orleans, and Lake Charles among others. We have data for 54 markets. (Some data included below & more in-depth data is available with an active subscription.)

Red River Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Red River Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.40% 3/28/24
30 Year Conventional Refi 6.44% 3/28/24
30 Year Cash-out Refi 6.65% 3/28/24
30 Year FHA Purchase 7.05% 3/28/24
30 Year FHA Refi 6.72% 3/28/24
30 Year VA Purchase 6.03% 3/28/24
30 Year USDA Purchase 6.34% 3/28/24
15 Year Conventional Purchase 6.29% 3/28/24
15 Year Conventional Refi 6.23% 3/28/24
15 Year Cash-out Refi 6.23% 3/28/24
15 Year VA Refi 5.95% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Red River Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Red River Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,085

Origination Dollar Volume (All Markets)

$530,065,000

Employee count

336 Show all (26) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ALEXANDRIA, LA (FHA|USDA|VA) 813 $166,565,000 $204,877 $3,299 3.21%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 600 $152,400,000 $254,000 $3,312 3.06%
BATON ROUGE, LA (FHA|USDA|VA) 342 $103,890,000 $303,772 $3,264 3.10%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 52 $23,850,000 $458,654 $4,507 3.32%
LAKE CHARLES, LA (FHA|USDA|VA) 44 $14,960,000 $340,000 $3,588 3.18%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 16 $11,080,000 $692,500 $5,260 3.07%
Outside of Metro Areas 70 $10,930,000 $156,143 $3,329 3.23%
LAFAYETTE, LA (FHA|USDA|VA) 31 $9,455,000 $305,000 $3,113 2.80%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 14 $4,060,000 $290,000 $3,395 2.77%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 9 $2,995,000 $332,778 $3,686 2.65%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,945,000 $981,667 $0 3.92%
Natchitoches, LA (FHA|USDA|VA) 9 $2,645,000 $293,889 $2,084 3.14%
LONGVIEW, TX (FHA|USDA|VA) 1 $2,055,000 $2,055,000 $0 4.00%
HAMMOND, LA (FHA|USDA|VA) 8 $1,930,000 $241,250 $2,587 2.77%
Heber, UT (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $4,992 4.00%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 6 $1,290,000 $215,000 $2,838 2.98%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,275,000 $425,000 $2,784 2.83%
Ruston, LA (FHA|USDA|VA) 6 $1,170,000 $195,000 $2,987 3.65%
Minden, LA (FHA|USDA|VA) 7 $1,165,000 $166,429 $3,715 2.59%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,095,000 $365,000 $2,555 2.63%
MONROE, LA (FHA|USDA|VA) 5 $915,000 $183,000 $3,637 3.38%
SANTA FE, NM (FHA|USDA|VA) 1 $805,000 $805,000 $11,230 3.38%
Fort Polk South, LA (FHA|USDA|VA) 4 $800,000 $200,000 $3,680 3.41%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $655,000 $655,000 $7,533 3.00%
Key West, FL (FHA|USDA|VA) 1 $625,000 $625,000 $0 3.75%
Opelousas, LA (FHA|USDA|VA) 2 $590,000 $295,000 $3,289 2.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $570,000 $285,000 $2,424 2.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $560,000 $280,000 $2,571 2.94%
Durango, CO (FHA|USDA|VA) 1 $515,000 $515,000 $3,670 2.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $515,000 $515,000 $3,081 2.75%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $495,000 $495,000 $3,447 3.88%
Jennings, LA (FHA|USDA|VA) 2 $460,000 $230,000 $4,338 3.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $445,000 $445,000 $4,243 3.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $415,000 $415,000 $2,152 2.88%
JACKSON, MS (FHA|USDA|VA) 2 $410,000 $205,000 $2,655 3.06%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $360,000 $180,000 $2,355 3.44%
COLUMBUS, OH (FHA|USDA|VA) 1 $355,000 $355,000 $3,332 3.88%
PROVO-OREM, UT (FHA|USDA|VA) 1 $335,000 $335,000 $2,747 2.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,674 2.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $255,000 $255,000 $2,213 4.25%
KNOXVILLE, TN (FHA|USDA|VA) 1 $255,000 $255,000 $2,661 4.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $2,518 2.50%
DeRidder, LA (FHA|USDA|VA) 1 $225,000 $225,000 $8,053 2.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $215,000 $215,000 $6,535 2.50%
Hope, AR (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,642 2.25%
Natchez, MS-LA (FHA|USDA|VA) 1 $185,000 $185,000 $2,913 2.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $165,000 $165,000 $1,996 3.88%
West Point, MS (FHA|USDA|VA) 1 $165,000 $165,000 $827 3.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,842 3.38%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.75%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,272 3.38%
Bogalusa, LA (FHA|USDA|VA) 1 $95,000 $95,000 $4,262 3.10%
Toccoa, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
Red River Bank's top markets include Alexandria, Shreveport, Baton Rouge, New Orleans, and Lake Charles among others.

Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Red River Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PIERREMONT MORTGAGE, INC.
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    Jefferson Parish Employees FCU
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    Bossier Federal Credit Union
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    Neighbors Federal Credit Union
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    Jeff Davis Bancshares
    Similarity Rank: 495
    America's Mortgage Resource, Inc.
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    GREATER NEW ORLEANS
    Similarity Rank: 680

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,705 $448,435,000 $263,012 $2,935 3.23%
    VA 164 $46,280,000 $282,195 $4,216 2.56%
    FHA 133 $21,555,000 $162,068 $5,874 2.85%
    USDA 83 $13,795,000 $166,205 $4,952 2.68%

    For 2020, Red River Bank's most frequently originated type of loan was Conventional, with 1,705 originations. Their 2nd most popular type was VA, with 164 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 924 $243,390,000 $263,409 $2,720 3.09%
    Home Purchase 869 $226,945,000 $261,157 $4,178 3.14%
    Cash Out Refi 226 $50,780,000 $224,690 $3,194 2.97%
    Other 45 $7,835,000 $174,111 $1,930 4.13%
    Home Improvement 21 $1,115,000 $53,095 $814 4.75%

    For 2020, Red River Bank's most frequently cited loan purpose was Refi, with 924 originations. The 2nd most popular reason was Home Purchase, with 869 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,199 $281,355,000 $234,658 $3,680 2.91%
    15 Year 394 $119,630,000 $303,629 $3,120 2.71%
    Other 156 $41,300,000 $264,744 $1,673 4.40%
    5 Year 122 $24,160,000 $198,033 $444 4.73%
    20 Year 117 $34,095,000 $291,410 $3,064 2.99%
    10 Year 62 $22,030,000 $355,323 $3,333 3.13%
    1 Year 29 $5,605,000 $193,276 $1,636 4.91%
    3 Year 6 $1,890,000 $315,000 $1,204 4.76%

    For 2020, Red River Bank's most frequently cited loan duration was 30 Year, with 1,199 originations. The 2nd most popular length was 15 Year, with 394 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,655 $402,015,000 $242,909
    $1k-2k 182 $45,270,000 $248,736
    $2k-3k 23 $10,325,000 $448,913
    $3k-4k 17 $6,685,000 $393,235
    $5k+ 17 $13,575,000 $798,529
    $4k-5k 3 $1,515,000 $505,000

    Red River Bank's average total fees were $3,680, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,655 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 867 $227,495,000 $262,393
    3-4% 507 $152,815,000 $301,410
    <2.5% 435 $97,695,000 $224,586
    4-5% 189 $43,225,000 $228,704
    5-6% 77 $8,345,000 $108,377
    6-7% 6 $380,000 $63,333
    Over 8% 4 $110,000 $27,500

    During 2020, Red River Bank's average interest rate for loans was 2.91%, while their most frequently originated rate bucket for loans was 2.5-3%, with 867 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 833 $228,795,000 $274,664 $3,456 2.90%
    $100k-200k 699 $105,845,000 $151,423 $3,217 3.02%
    $100,000 or less 287 $17,775,000 $61,934 $2,149 4.07%
    $400k-600k 184 $88,320,000 $480,000 $3,905 3.00%
    $600k-1MM 55 $40,385,000 $734,273 $4,256 3.43%
    $1MM+ 27 $48,945,000 $1,812,778 $7,792 3.76%

    2020 saw Red River Bank place emphasis on $200k-400k loans with 833 originations, totaling $228,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 423 $103,365,000 $244,362 $3,285 3.04%
    $50k-75k 347 $60,155,000 $173,357 $3,477 3.00%
    $75k-100k 321 $68,005,000 $211,854 $3,351 2.94%
    $150k-250k 288 $80,700,000 $280,208 $3,230 2.99%
    $250k+ 280 $131,420,000 $469,357 $3,508 3.35%
    $50k or less 260 $31,830,000 $122,423 $3,400 3.14%

    Red River Bank lent most frequently to those with incomes in the $100k-150k range, with 423 originations. The second most popular income band? $50k-75k, with 347 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 580 $142,630,000 $245,914 $2,947 3.06%
    <20% 365 $105,365,000 $288,671 $3,073 3.07%
    30-36% 357 $85,005,000 $238,109 $3,340 3.02%
    38% 66 $16,890,000 $255,909 $3,912 3.28%
    41% 64 $13,460,000 $210,313 $3,380 3.01%
    39% 64 $14,570,000 $227,656 $3,492 3.07%
    37% 57 $11,865,000 $208,158 $3,450 3.27%
    44% 56 $12,510,000 $223,393 $4,032 3.06%
    40% 55 $15,605,000 $283,727 $4,244 2.99%
    42% 54 $11,770,000 $217,963 $3,991 3.11%
    36% 52 $12,180,000 $234,231 $3,125 3.09%
    43% 48 $10,070,000 $209,792 $3,508 2.98%
    50-60% 32 $6,410,000 $200,313 $6,142 3.20%
    45% 29 $6,515,000 $224,655 $4,593 2.81%
    46% 28 $5,640,000 $201,429 $3,654 3.12%
    49% 25 $6,305,000 $252,200 $4,167 2.74%
    47% 21 $5,295,000 $252,143 $3,978 2.92%
    48% 20 $3,710,000 $185,500 $4,146 3.14%
    >60% 13 $3,805,000 $292,692 $2,235 3.94%

    Red River Bank lent most frequently to those with DTI ratios of 20-30%, with 580 originations. The next most common DTI ratio? <20%, with 365 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,828 $460,540,000 $251,937 $3,271 3.06%
    Not applicable 94 $39,180,000 $416,809 $0 4.56%
    Black 127 $21,405,000 $168,543 $4,399 3.15%
    Asian 23 $5,805,000 $252,391 $3,125 3.12%
    Not provided 7 $1,765,000 $252,143 $3,087 2.59%
    American Indian 4 $820,000 $205,000 $3,131 2.75%
    Native Hawaiian or Islander 1 $295,000 $295,000 $4,756 2.38%
    Asian Indian 1 $255,000 $255,000 $5,661 3.00%

    Approval Rates

    Total approvals of all applications
    95.49%

    Red River Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    81.77%

    Red River Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,085 $530,065,000 $254,228

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,405,000 $1,405,000
    Multifamily:Site-Built 19 $19,145,000 $1,007,632
    Single Family (1-4 Units):Manufactured 16 $1,540,000 $96,250
    Single Family (1-4 Units):Site-Built 2,049 $507,975,000 $247,914

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 122 $22,090,000 $181,066 $2,391 3.67%
    40-60% 260 $69,840,000 $268,615 $2,856 3.10%
    60-80% 715 $193,025,000 $269,965 $3,012 3.02%
    80-100% 870 $230,360,000 $264,782 $3,805 2.99%
    Over 100% 30 $9,640,000 $321,333 $10,216 2.92%
    Under 20% 59 $3,695,000 $62,627 $759 4.84%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Red River Bank 1020 Bridgewater Avenue Shreveport, LA 71106 Full Service B&M $56,365
    Red River Bank 1210 Wall Street Lecompte, LA 71346 Full Service B&M $42,313
    Red River Bank 12509 Highway 73 Geismar, LA 70734 Full Service B&M $22,004
    Red River Bank 1412 Centre Court Drive, Suite 101 Alexandria, LA 71301 Full Service B&M $748,432
    Red River Bank 14545 Wax Road Baton Rouge, LA 70818 Full Service B&M $38,820
    Red River Bank 1500 Beglis Parkway Sulphur, LA 70663 Full Service B&M $1,641
    Red River Bank 1753 East 70th Shreveport, LA 71105 Full Service B&M $86,644
    Red River Bank 2591 South Acadian Thruway Baton Rouge, LA 70808 Full Service B&M $35,765
    Red River Bank 2931 East Texas Street Bossier City, LA 71111 Full Service B&M $16,212
    Red River Bank 3120 Highway 28 East Pineville, LA 71360 Full Service B&M $94,289
    Red River Bank 3300 Airline Drive Bossier City, LA 71111 Full Service B&M $62,699
    Red River Bank 3422 North Blvd. Alexandria, LA 71301 Full Service B&M $57,645
    Red River Bank 4112 Lake Street, Suite 200 Lake Charles, LA 70605 Full Service B&M $12,652
    Red River Bank 4292 Highway 112 Forest Hill, LA 71430 Full Service B&M $34,311
    Red River Bank 4425 Monroe Highway Pineville, LA 71360 Full Service B&M $68,319
    Red River Bank 447 East Tunica Drive Marksville, LA 71351 Full Service B&M $52,063
    Red River Bank 5063 Essen Lane Baton Rouge, LA 70809 Full Service B&M $26,287
    Red River Bank 5350 Jones Creek Road Baton Rouge, LA 70817 Full Service B&M $29,665
    Red River Bank 5631 Coliseum Boulevard Alexandria, LA 71303 Full Service B&M $57,695
    Red River Bank 571 Hwy 171 Stonewall, LA 71078 Full Service B&M $8,126
    Red River Bank 5868 Line Avenue Shreveport, LA 71106 Full Service B&M $47,306
    Red River Bank 600 Jackson Street Alexandria, LA 71301 Full Service B&M $102,371
    Red River Bank 601 Market Street Shreveport, LA 71101 Full Service B&M $148,648
    Red River Bank 70561 Highway 21 Covington, LA 70433 Full Service B&M $10,047
    Red River Bank 9400 Old Hammond Highway Baton Rouge, LA 70898 Full Service B&M $234,040

    For 2020, Red River Bank had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $77,378
    Net interest income $69,000
    Total noninterest income $23,492
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,365
    Trading account gains and fees $0
    Additional Noninterest Income $19,127
    Pre-tax net operating income $34,056
    Securities gains (or losses, -) $1,526
    Income before extraordinary items $29,026
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,026
    Minority interest net income $0
    Net income $29,026
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $27,774

    Red River Bank's gross interest income from loans was $77,378,000.
    Red River Bank's net interest income from loans was $69,000,000.
    Red River Bank's fee based income from loans was $4,365,000.
    Red River Bank's net income from loans was $29,026,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,378
    Provision for credit losses $6,293
    Total noninterest expense $52,143
    Salaries and employee benefits $31,160
    Premises and equipment expense $5,106
    Additional noninterest expense $15,877
    Applicable income taxes $6,556
    Net charge-offs $2,279
    Cash dividends $0

    Red River Bank's interest expense for loans was $8,378,000.
    Red River Bank's payroll and benefits expense were $31,160,000.
    Red River Bank's property, plant and equipment expenses $5,106,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 2.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,364,228
    Deposits held in domestic offices $2,364,228
    Deposits by Individuals, partnerships, and corporations $2,166,854
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $194,356
    Deposits by Commercial banks and other depository institutions in U.S. $3,018
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $303,058
    Demand deposits $131,624
    Nontransaction accounts $2,061,170
    Money market deposit accounts (MMDAs) $506,902
    Other savings deposits (excluding MMDAs) $1,213,261
    Total time deposits $341,007
    Total time and savings deposits $2,232,604
    Noninterest-bearing deposits $967,483
    Interest-bearing deposits $1,396,745
    Retail deposits $2,270,886
    IRAs and Keogh plan accounts $36,218
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,642,601
    Cash & Balances due from depository institutions $447,201
    Interest-bearing balances $417,664
    Total securities $502,227
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,599,611
    Loan and leases loss allowance $17,951
    Trading account assets $0
    Bank premises and fixed assets $51,078
    Other real estate owned $896
    Goodwill and other intangibles $1,546
    All other assets $40,042

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,642,601
    Total Liabilities $2,381,024
    Total deposits $2,364,228
    Interest-bearing deposits $1,396,745
    Deposits held in domestic offices $2,364,228
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $16,796

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,599,611
    Loan and leases loss allowance $17,951
    Total loans and leases (domestic) $1,617,562
    All real estate loans $1,156,095
    Real estate loans in domestic offices $1,156,095
    Construction and development loans $127,321
    Residential 1-4 family construction $32,716
    Other construction, all land development and other land $94,605
    Loans secured by nonfarm nonresidential properties $522,837
    Nonfarm nonresidential secured by owner-occupied properties $310,313
    Commercial real estate & other non-farm, non-residential $212,524
    Multifamily residential real estate $24,455
    1-4 family residential loans $472,005
    Farmland loans $9,477
    Loans held in foreign offices $0
    Farm loans $4,734
    Commercial and industrial loans $344,574
    To non-U.S. addressees $0
    Loans to individuals $23,926
    Credit card loans $958
    Related Plans $1,579
    Consumer Auto Loans $6,290
    Other loans to individuals $15,099
    All other loans & leases $88,233
    Loans to foreign governments and official institutions $0
    Other loans $19,567
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,233
    Loans secured by real estate to non-U.S. addressees $166
    Restructured Loans & leases $1,454
    Non 1-4 family restructured loans & leases $1,151
    Total loans and leases (foreign) $0

    Red River Bank had $1,599,611,000 of loans outstanding in 2020. $1,156,095,000 of loans were in real estate loans. $127,321,000 of loans were in development loans. $24,455,000 of loans were in multifamily mortgage loans. $472,005,000 of loans were in 1-4 family mortgage loans. $4,734,000 of loans were in farm loans. $958,000 of loans were in credit card loans. $6,290,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 499 $140,351 $281,265
    Nonfarm, nonresidential loans - <$100k 74 $3,454 $46,676
    Nonfarm, nonresidential loans - $100-250k 165 $22,488 $136,291
    Nonfarm, nonresidential loans - $250k-1MM 260 $114,409 $440,035
    Commercial & Industrial, US addressed loans - <$1MM 2,479 $178,043 $71,820
    Commercial & Industrial, US addressed loans - <$100k 1,820 $41,453 $22,776
    Commercial & Industrial, US addressed loans - $100-250k 397 $45,036 $113,441
    Commercial & Industrial, US addressed loans - $250k-1MM 262 $91,554 $349,443
    Farmland loans - <$1MM 52 $5,509 $105,942
    Farmland loans - <$100k 27 $1,120 $41,481
    Farmland loans - $100-250k 16 $2,241 $140,063
    Farmland loans - $250k-1MM 9 $2,148 $238,667
    Agriculture operations loans - <$1MM 48 $2,245 $46,771
    Agriculture operations loans - <$100k 35 $1,048 $29,943
    Agriculture operations loans - $100-250k 9 $877 $97,444
    Agriculture operations loans - $250k-1MM 4 $320 $80,000