Red River Bancshares, Inc. · NASDAQ:RRBI

Red River Bancshares — Investor Presentation (April 2024)

45 slides from Red River Bancshares's investor presentation, Apr 25, 2024

1. Slide 1: �  �      �  !"!# $$%&

   �  �      �  !"!# $$%&

2. Slide 2: �    !!! !…

   �    !!! !! "# $"%!#& $'#!()*!*!+,--"

3. Slide 3: �             

   �                                          !        !      ! "#$  "%&   % "  "'%(%))% "*#+  ",%   ,- ' 

4. Slide 4: Strong. Stable. We're your people.

   Strong. Stable. We’re your people. ne RED RIVER BANK i Member redriverbank.net FDIC

5. Slide 5: �             

   �                  !"#  $  !"""   % # & !"!'(  ) *&+",    -. ) *!+"'   / #   ) *0+!   1   ) *!+,2   3  #  4  ) *&'&+!   5    ) &!6   ) !!6 #  

6. Slide 6: �             

   �               ! "         #$% !     #&'" ()*+,       -      . /  0 /  1!      0 2 !-2   1

7. Slide 7: History & Strategy

   History & Strategy ae RED RIVER BANCSHARES, INC.

8. Slide 8: �     !"#$%&& ''()*'*+*,…

   �     !"#$%&& ''()*'*+*,#"-$./0)*1*10**23*4,5$*(*6**7"-$8"#$23*

9. Slide 9: �            !"# $%&%

   �            !"# $%&% '"(#)(* (%& "( +, %"- "( &,). % %/ 01"(  2(%&3 24 '"(#)(* (%& 5 678  9:: ;  <   => ? =  :  @  A2&./" "( )( B%")&)C !2))"(" D" EF G&"( 242&4H@I  (%&2.%)( 4*"(

10. Slide 10: �    !"##!$%  &&'($)*+,-# …

    �    !"##!$%  &&'($)*+,-# . #!/!*  &&'0 ### .#!#&!#1" !!## #" (# $/&!2!" / "  % #3# !! "4 5%6/7%8!%9 "  %

11. Slide 11: �      !" #$%&' ("% ) *%+ ,+&- .))-. '+&/0

    �      !" #$%&' ("% ) *%+ ,+&- .))-. '+&/0 #$%&' 1%  +" 2)3 4)5 6 7& +.3)0 ) &8)0 +" , +..% +3+)+ 49:9  ,)% "+. ;+&)) :) <'0=> ? @ AB@ CDB #$%&'

12. Slide 12: �   �   !"# $!%&%"'!" #"%( )*!"# '!"+ ( )#&!…

    �   �   !"# $!%&%"'!" #"%( )*!"# '!"+ ( )#&! ", %-.%'  %"/% "! %,"-!'!"+ ( )#"%( )%  !0%,%'!"+ ()"'!"+ )!")-.!"#! %!!"#%!-!+1"$"!

13. Slide 13: �            !!""! !#!$%!"&!"

    �            !!""! !#!$%!"&!" $'!"'$"!(%!' "!%')!# "#!!*"%'%$!)' !#!! $+ ,!-%!!'!./&)) !"! & )#!)!!"&!%$!!" " %!' 0)"!""&!)!'!$!"

14. Slide 14: �      !"#$! #!%% &'&(#% )($#*!(!+", ,%- $ ./)$") …

    �      !"#$! #!%% &'&(#% )($#*!(!+", ,%- $ ./)$") #),"$ #)0")12#)) $3"$ , ("4,"1"#$!  "(45(($ &#%4"$ 6#$ 4#),, "#!,)!$7#)2 ,! , "1) ,4)#$ , "#!,/)$") , ("#)(

15. Slide 15: �      !" # $ %& '( )()'*&+ "# ,#&-

    �      !" # $ %& '( )()'*&+ "# ,#&- *'./0 ,#&- *1.! " 2##&"3 *4.25$ # " ,#&- #&6 7 " *8.96 9!+ ,#&- )*(.:!;!& ,#&- )*<.=,>?@ '*. ! " /!A&B*B.9;!& 1*'./#&- CD!"&3)*E. #!"#5 :&1*). %F G;#& D# <*B.:"D )<*<. H 96 9!+

16. Slide 16: 2023 Overview

    2023 Overview ae RED RIVER BANCSHARES, INC.

17. Slide 17: ��   !"#$%"$#% "#$%"$##  &%"#''"( &%('#)')*…

    ��   !"#$%"$#% "#$%"$##  &%"#''"( &%('#)')*+,- &"..#'/' &".")#)01 &#'("''' &#0.'.%)234567 & %(%'/" & #)/0/%839:2 & ;#<'/ & %)<..=>?839:2" & ;

18. Slide 18: ��        !"# $ !%&%'% ()%*+,-*,+- *+,-*,++ .

    ��        !"# $ !%&%'% ()%*+,-*,+- *+,-*,++ . /0 1 %% 23%1)4% . **56785 . 9:6-;7 .+:6*9- +7<8/0 1 %% '=>%%  -+6*-?  ;6;-8  +:6-9: -*7<-/@% 1 %% 1)4% . 586:-5 . 5868-9 . +?*# ?<+/#A

19. Slide 19: 1Q24 Overview

    1Q24 Overview ae RED RIVER BANCSHARES, INC.

20. Slide 20: �        !"##$%&&'&&&#(…

    �        !"##$%&&'&&&#( )*+ ,-./*0 1--2(/ '2(-/ !"*'"3+'4(+ 5-+

21. Slide 21: �      !"!#$% & '( ) & *()+ & 

    �      !"!#$% & '( ) & *()+ &  ( ',!!-$!.!/!$%  )( )   *(+   ' (001!2! 31(4!  * *('+0  *0)()'  +(0' 1!2!567(#8!2  '(

22. Slide 22: �      !"#!$"%&%"''(")…

    �      !"#!$"%&%"''(")!("*+,(!)%&%-("!$!(-.$!%/01.!$"%&%"''#.")!"#,'%(&

23. Slide 23: �       !"#"$%&'()'#"*''+,#-."),('."/,(. 01$2(.."&'("3"…

    �       !"#"$%&'()'#"*''+,#-."),('."/,(. 01$2(.."&'("3",/"!4".-/(4$")5'/,,'/(/"'#/56('/789$:'()4'+;-('/<79$=5('.>/"#6('."/7 ?"#"1(< 93 789@@9 98A9899<79<79<

24. Slide 24: �     !"#$ %&' (%  )"*$+,-."/$ 0 1…

    �     !"#$ %&' (%  )"*$+,-."/$ 0 1' , ,2+&,345#6"57,8,6")$8,9,+:2;<,=34)#68...2,&, 8<78,

25. Slide 25: �        ! " #$ %&  '

    �        ! " #$ %&  ' ()*+,-%&  ' ./01)"$ 2*)"/3#4567 /1*##!/5*#%0/## 89 8:;< � => ?;> @>;A" 1& / 0 -B C, $$ D)/"*+ E15"# %&  ' ()*+-C%&  ' ./01)")&5

26. Slide 26: �     ! "#$%&'()*+)! ',$-*+*))-!"'&.$',(-+)+ !"#$%(%#$'/…

    �     ! "#$%&'()*+)! ',$-*+*))-!"'&.$',(-+)+ !"#$%(%#$'//*!0#1%&'()))+! 2 "..#34'#,(5 *6#,#$!#3#,(7892:$6$;4','$'<,#&=$('(1>1$>,$'(?@A'$B'(C'5++++?@A'$B'#,=#=A1'3#$"..#

27. Slide 27: ��   �          

    ��   �                   !"#$%!& '"!"( ))*                   !"#$%!& '"!"( ))*     '$+,-(./*0)1 !"#$%!&0((,2,$+3!%4/*0)

28. Slide 28: �    !!"#$%&!!$'(!%)(!"(!'…

    �    !!"#$%&!!$'(!%)(!"(!''%*! !!!"(!%+( !, -! .(/01234567589: ;!"/70031<01682: .(/=903907408<: )!"/1643<=6<8=: ;!!/17

29. Slide 29: �   !"#$%&'!'()%*$+,$-''.'''$/0 1…

    �   !"#$%&'!'()%*$+,$-''.'''$/0 1%23$456&/!'7)%89*$$::*;$<=,$$$/>>>&'!'") '!'() '!'?) '!'?) '!'() '!'()/0 - 0 - -0 - 10 - /0 1 @$A$B -C-

30. Slide 30: �     !"# $ " %&'!&(!$' " # )!#* + 

    �     !"# $ " %&'!&(!$' " # )!#* +  ""**#' *$ ,$*' -.  / "0# # "1)%(-2"345# "1 (-6# 1&(-.  /*$ #

31. Slide 31: �       ! "# $%$    

    �       ! "# $%$        &'% !! ()*+,---.#!  / 0 $1#&#!  .#!  / )*+2345"3467 8 " 9

32. Slide 32: �  �        � �  

    �  �        � �     !"!# $% &' "(')!' *" (*! +*) , -./012 3!)!'45 4" '( -0.16 3!)!'4 '( 4 *)!78 )'## !"!# 9:; &' "(')!' *" *3' "!78 '#" , -<6=16 3!)!'4>4 *)!78 )'## '4 9:; &' "(')!' , -?/1. 3!)!'4<@?/ A!)8 , ?1<?B

33. Slide 33: �             

    �                !"#$%&'&"( )&*$&+,(("'(- - - - - ./0 /1211/113�11/14211/15"6+789"%&7+: )&*$&+,(("'(;<(9%"("6'"+;%"8"%('7'7'<=#<(><6+#<(>"*$&?<="6'( �    

34. Slide 34: �             

    �               !        !  "#$  %&'( )*+     '!, -.( )/0$1 ! !, 0 )-( 2 ! !,  .).(*3 ,!    1 ! 4)  ( 2,,    , )- 1 ! !, !5!0$1 ! !, !5! ! 

35. Slide 35: �            ! !

    �            ! ! " ! #$% $ $" $#& #!'!& (!'!& )!'!&"!!'!&" !'! * � +,-./01 23 42.2-315  6   6   ! ! " ! #$% $ $" $#&"!!'!&" !'!&"#!'!&"(!'!&")!'! 7 *8  �

36. Slide 36: �             

    �                  !"# $%& '()*+,&-+. / / / / /        01 �  23 45 6 7 /8 /8 /8 /8 /8      0" " 9 9 6  :;

37. Slide 37: �      !"#$%&'%()*+,-./0123-$)4.567+$-8%(9!%:('-"%&$"!";&''%,'…

    �      !"#$%&'%()*+,-./0123-$)4.567+$-8%(9!%:('-"%&$"!";&''%,'-3'%,*9<!;<%$(%+-'!,#-','6=%#>$!,!%'9!%:(!"#$%&'%(..*+'(>%,-$%!"8%',!";'%#>$!,!%'#&'<3:-?'!",-<!;<%$9!%:(!";'%#>$!,!%'@-&"9!%:(!"#$%&'%()A*+'/B&,%'-""%?&"(

38. Slide 38: �       !"#!$!%&$ '(& ')#$$%…

    �       !"#!$!%&$ '(& ')#$$% &'(%#!%*# &$  %+ ,% $-&./  0 12345 5346 7% 8% 9:  ;<=>? 5<>5? 2;)*% 4<24? 2<>=?

39. Slide 39: �          ! " #" $%&'()))

    �          ! " #" $%&'()))  $*+' !, - ./%*01234  3 5#" # , - $6.())) - ./%* !7#"  # 8# - $.6%())) - */%609:  5#8  "7 # 3 " #" $'.()))  $.+* !, - ./%* !#,4 "3  #";3!  5 "7

40. Slide 40: �         ! " ## $%#$ &'()*)))

    �         ! " ## $%#$ &'()*))) + &'(,- ./+ 0+ '12345+  $ $+# " ## $%#$ &2-6*))) + 7&32*)))8 0+ '123 ./9 $: + % +0  &2;2*))) !+$* <=/ = 0+.  < $+> +%## ! " ## $%#$ &263*))) + &?3@*))) 0

41. Slide 41: �        !" #"$%%& ' & ( )

    �        !" #"$%%& ' & ( ) *$  $   && $# $# %%  $ (+$  ,&  - $ #. #  #.

42. Slide 42: �             

    �                    !"      #                     $ %         �   &  

43. Slide 43: Appendix

    Appendix ae RED RIVER BANCSHARES, INC.

44. Slide 44: �      !"#$"%%""& '(')(*+ )*(')(*' '(')(*' )*(')(**,-./012345…

    �      !"#$"%%""& '(')(*+ )*(')(*' '(')(*' )*(')(**,-./0123455.367089,8-284:;2<3=>367089 ? *@@A')+ ? 'B'ACD) ? *EFAF+B ? *FDAED'<G7853.8HI.8-./0123-38  J)AD+FK  J)AD+FK  J)AD+FK  J)AD+FK,8-28-./0123455.3670

45. Slide 45: �         !"#$% " &'()'*#*' $'#+ ,-./-0.

    �         !"#$% " &'()'*#*' $'#+ ,-./-0. 1-./-0. ,-./-00 1-./-00 .-.2-0034567849:;;<4=>7?@A?56?:BC694DE4=>7?@ F 0G2H,I2 F 0G.H.J0 F 0K.HK2. F 0I.HI,1 F 01KHGJK9L>?;4<?M::>;>65?49?C4D:;ND4C4<7O4P7<:;4Q6  JJHKG1 

Red River Bancshares — Investor Presentation (April 2024) on 6ix