RED RIVER BANCSHARES INCRRBI

RED RIVER BANCSHARES INC Commitments Disclosure

10-KFiled Mar 13, 20262 min read
Off-Balance Sheet Contractual Obligations and Contingencies
The Company is a party to financial instruments with off-balance sheet risk in the normal course of business. The contract or notional amounts of these instruments reflect the extent of the Company’s involvement in particular classes of financial instruments. The Company’s exposure is represented by the contractual amount of these commitments.
Investment Commitments
In 2014, the Company committed to an investment into an SBIC limited partnership. As of December 31, 2025, there was a $226,000 outstanding commitment to this partnership. In 2025, this fund began its wind-down phase.
In 2020, the Company committed to a second investment into an SBIC limited partnership. As of December 31, 2025, there was a $1.9 million outstanding commitment to this partnership.
In 2021, the Company committed to an investment into JAM FINTOP, a bank technology limited partnership. As of December 31, 2025, there was a $277,000 outstanding commitment to this partnership.
On September 26, 2025, the Company committed to a third investment into an SBIC limited partnership. As of December 31, 2025, there was a $2.8 million outstanding commitment to this partnership.
Construction Commitment
The Company has two committed construction agreements to construct a new lending headquarters building in the Northwest market and a new banking center in the Acadiana market. There was approximately $3.6 million remaining on these commitments as of December 31, 2025.
Contingencies
The Company and the Bank are involved, from time to time, in various legal matters arising in the ordinary course of business. While the outcome of these claims or litigation cannot be determined at this time, in the opinion of management, neither the Company nor the Bank are involved in such legal proceedings that the resolution is expected to have a material adverse effect on the consolidated results of operations, financial condition, or cash flows.

Historical Timeline

Fiscal YearFiled
2025Mar 13, 2026Showing above
2024Mar 14, 2025
2023Mar 15, 2024
2022Mar 16, 2023
2021Mar 18, 2022
2020Mar 19, 2021

About Commitments Disclosures

Commitments and contingencies disclosures catalog a company's off-balance-sheet obligations and legal exposures — purchase commitments, guarantee arrangements, pending litigation, and regulatory proceedings. These items represent potential future cash outflows that may not appear as liabilities on the balance sheet until they become probable and estimable.

Key signals: litigation reserves and disclosed loss ranges quantify management's estimate of legal exposure, but unquantified "reasonably possible" losses often represent the larger risk. Watch for changes in language around pending cases — shifts from "remote" to "reasonably possible" or increases in estimated loss ranges signal deteriorating outcomes. Unconditional purchase obligations and take-or-pay contracts create fixed cost structures that reduce operational flexibility. Guarantee arrangements for subsidiaries or joint ventures can create cascading obligations. Compare the total commitment schedule against projected free cash flow to assess whether the company can meet its obligations without additional financing.

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