Red River State Bank

Halstad, MinnesotaFDIC Cert #15820

STATEEstablished 19342 branches

Holding company: RED RIVER FINL SERVICES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$914K
Investor CRE	$106K
Multifamily	$8.82M
Construction	$2.3M
1–4 family	$10.4M
C&I	$33.6M
Agriculture	$33.3M
Other	$9.89M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$99.4M

−4.9%y/y

Percentile by value41st percentileby value

FDICLNLSGR

Net loans

$97.8M

−5.3%y/y

Percentile by value40th percentileby value

FDICLNLSNET

Loans YoY

−5.32%

+24.3%y/y

Percentile by value8th percentileby value

FDICLNLSNET

L/D

95.4%

+0.1%y/y

Percentile by value88th percentileby value

FDICLNLSNET + DEP

Loans/assets

81.4%

−1.0%y/y

Percentile by value92nd percentileby value

FDICLNLSNET + ASSET

RE loans %

36.44%

−6.2%y/y

Percentile by value3rd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,926points

+2.2%y/y

Peer standing77th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.92%

+72.8%y/y

Percentile by value12th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.11%

−22.1%y/y

Percentile by value7th percentileby value

FDICLNRENROT + LNLSGR

C&I %

33.83%

+6.7%y/y

Percentile by value98th percentileby value

FDICLNCI + LNLSGR