In short. In its 2025 annual report, Red River Bancshares Inc mentions AI in 3 passages. It lists AI as a risk, but the report does not say how AI is controlled.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
3 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
General
What it says
Standard wording or passing mention; Sees AI as a risk
Kinds of AI named
Generative AI
How AI is controlled
Not described
AI in its annual reports over time
What this shows
How many passages about AI each annual report contains, 2022 to 2025, by what they say.
What it means
0 passages in 2022, 3 passages in 2025.
How to read it
Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Passages about AI in Red River Bancshares Inc's annual reports, by report year.Show as a table
Report year
Using or planning AI
Explains how AI is controlled
Sees AI as a risk
Other mentions
2022
2022
2022
2022
2023
2023
2023
2023
2024
2024
2024
2024
2025
2025
2025
2025
Compared with banks of its size
What this shows
This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
What it means
Its most specific passage is "General"; for banks of its size the typical level is "General".
How to read it
Yes or no for this bank; the share of banks of the same size for comparison.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
In the 2025 report
This bank
Banks of its size
Using AI now
No
26 of 221 (12%)
Explains how AI is controlled
No
55 of 221 (25%)
Sees AI as a risk
Yes
184 of 221 (83%)
Mentions generative AI
Yes
112 of 221 (51%)
Mentions AI agents
No
18 of 221 (8%)
What changed from 2024
3 passages new in the 2025 report, 0 passages from the 2024 report no longer there. The most specific passage is more detailed than last year.
Every passage about AI
What this shows
All 8 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
What it means
3 passages say the bank is using AI now.
How to read it
Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
Where it comes from
Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Investor presentation, Q3 2026 filed 3 Sept 2026
19 Louisiana Data Centers 1Source: According to an article published by Louisiana Economic Development on July 13, 2026. 2Source: According to an article published by Louisiana Economic Development on August 18, 2026. 3Source: According to an article published by Louisiana Economic Development on December 17, 2025. 4Source: According to an article published by Louisiana Economic Development on May 26, 2026. Hut 8 Data Center - West Feliciana Parish (North of Baton Rouge) ■ $10.0 billion AI data center ■ Expected to create 75 direct new jobs and 193 indirect new jobs3 ■ Construction began in 2025 with operations expected in 2027 Meta Data Center - Richland Parish (Northeast Louisiana) ■ $50.0 billion AI Optimized Data Center, expected to create 1,000 direct new jobs,1,900 indirect new jobs, and 7,500 construction jobs1 ■ 10 million square feet, making it the largest of Meta’s data centers around the world and one of the largest ever built1 ■ Construction in process and expected through 2030 Image: Louisiana Economic Development (https://www.opportunitylouisiana.gov/news/meta-selects-northeast- louisiana-as-site-of-10-billion-artificial-intelligence-optimized-data-center-governor-jeff-landry-calls-investment-a-new- chapter-for-state) Image: Louisiana Economic Development (https://www.opportunitylouisiana.gov/news/hut-8-selects-southeast- louisiana-as-site-of-10-billion-artificial-intelligence-data-center) ■ $18.0 billion data center campuses to support cloud computing technologies, expected to create 750 direct new jobs,1,784 indirect new jobs, and 2,250 construction jobs2 ■ Multi-site investment across Caddo and Bossier Parishes ■ Construction began in 2026 with operations beginning in phases over several years Amazon Data Center Campuses - Caddo and Bossier Parishes (Northwest Louisiana) Applied Digital Data Center - Rapides Parish (Central Louisiana) ■ $3.6 billion AI data center ■ Expected to create 200 direct new jobs and 218 indirect new jobs4 ■ Construction began in 2026 with operations expected in mid-2027
General statement about AIDetail: GeneralMetaHut 8Applied DigitalAmazonNew this periodNew since the annual report
Embracing Technology 21 ■ AI governance structure in place to explore safe and effective use of AI tools across RRB ■ In 1Q25, RRB upgraded online and mobile banking platforms using Q2 Software’s market leading products. These systems have enhanced RRB’s digital offerings for both consumer and business customers ■ Allows RRB to offer a unified user experience across multiple platforms ■ Further enhances our Treasury Management offering ■ Better aligns RRB with a roadmap for enhanced digital products and services ■ Online and mobile banking channels: mobile deposit, virtual vault, Apple Pay®, mobile wallet, debit card controls, ClickSwitch®, and P2P payments provided by Zelle® ■ SQN Banking Systems’ fraud detection system, which uses anomaly detection to identify fraud ■ Utilize Verafin for advanced analytics and machine learning to detect suspicious activity in near real-time, reducing fraud losses for our customers and RRB ■ Online deposit account opening and mortgage applications, which include a “Verification of Life” system in an effort to reduce fraud ■ Mobile, automated small-dollar loan system ■ Utilize MeridianLink for internal end-to-end consumer loan application system ■ Utilize API for automation of processes to improve our efficiency and manage headcount ■ Invested in the JAM FINTOP fund as a resource for technology systems
Using AI nowDetail: Concrete exampleMachine learningProcess automationFraud detectionCompliance and anti-money launderingOperationsVerafinSQN Banking SystemsQ2 SoftwareMeridianLinkNew since the annual report
Embracing Technology 20 ■ RRB created an Artificial Intelligence Committee to explore safe and effective use of AI across RRB ■ Partnered with Jump, an LPL partner, to support our Investment Group with additional customer service tools ■ In 1Q25, RRB upgraded online and mobile banking platforms using Q2 Software’s market leading products. These systems have enhanced RRB’s digital offerings for both consumer and business customers ■ Allows RRB to offer a unified user experience across multiple platforms ■ Further enhances our Treasury Management offering ■ Better aligns RRB with a roadmap for enhanced digital products and services ■ Online and mobile banking channels: mobile deposit, virtual vault, Apple Pay®, mobile wallet, debit card controls, ClickSwitch®, and P2P payments provided by Zelle® ■ SQN Banking Systems’ fraud detection system, which uses anomaly detection to identify fraud ■ Utilize Verafin for advanced analytics and machine learning to detect suspicious activity in near real-time, reducing fraud losses for our customers and RRB ■ Online deposit account opening and mortgage applications, which include a “Verification of Life” system in an effort to reduce fraud ■ Mobile, automated small-dollar loan system ■ Utilize MeridianLink for internal end-to-end consumer loan application system ■ Utilize API for automation of processes to improve our efficiency and manage headcount ■ Invested in the JAM FINTOP fund as a resource for technology systems
Using AI nowDetail: Concrete exampleMachine learningProcess automationFraud detectionCompliance and anti-money launderingCustomer serviceOperationsCredit and lendingVerafinSQN Banking SystemsQ2 SoftwareMeridianLinkJumpZelleNew this periodNew since the annual report
We or our third-party (or fourth-party) vendors, clients, or counterparties may develop or incorporate AI technology in certain business processes, services, or products. The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving. These evolving laws and regulations could require changes in our implementation of AI technology and increase our compliance costs and the risk of non-compliance. AI models, particularly generative AI models, may produce output or take action that is incorrect, that reflects biases included in the data on which they are trained, or that is otherwise harmful. We may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which such third parties develop and train their models, including risks arising from the inclusion of any unauthorized material in the training data for their models and the effectiveness of the steps these third parties have taken to limit the risks associated with the output of their models, all of which are matters into which we may have limited visibility. Any of these risks could expose us to liability or adverse legal or regulatory consequences and harm our reputation and the public perception of our business.
Sees AI as a riskDetail: GeneralGenerative AINew this year
Similar wording appears in 26 other banks' reports.
Meta Data Center - Richland Parish (Northeast Louisiana) ■ $10.0 billion Artificial Intelligence Optimized Data Center, expected to create 500 direct new jobs, 1,000 indirect new jobs, and 5,000 construction jobs1 ■ 4 million sq. ft., making it the largest of more than 20 Meta data centers around the world ■ Construction expected through 2030 Hyundai Steel Company - Donaldsonville (On Mississippi River, south of Baton Rouge) ■ $5.8 billion ultra-low carbon steel production plant, expected to create 1,300 direct new jobs with an average salary of $95,000, and 4,100 indirect new jobs2 ■ Construction expected to begin 3Q26 SkyWest Maintenance Base - Shreveport Regional Airport ■ Nation’s largest regional airline carrier establishing a new maintenance base, expected to create 150 direct new jobs with an average salary about 27% above parish average and 375 indirect new jobs3 ■ Expected to be operational 2H25 16 Other Louisiana Economic Development 1Source: According to an article published by Louisiana Economic Development on December 4, 2024. 2Source: According to an article published by Louisiana Economic Development on March 24, 2025. 3Source: According to an article published by Louisiana Economic Development on May 6, 2025. 4Source: According to an article published by Louisiana Economic Development on April 6, 2023. Ucore Rare Metals - Alexandria ■ First commercial-scale production module of RapidSX machine capable of separating rare earth elements ■ $75.0 million project expected to create 100 direct new jobs and 298 indirect new jobs4 ■ Ground-breaking ceremony May 28, 2025 Image: Ucore Rare Metals Inc. (https://ucore.com/ucore-and-us-dod-agree-on-us18-4m-initial-construction-funding-for-rare-earth-processing-in-louisiana)
General statement about AIDetail: GeneralMetaNew this periodNew since the annual report
Embracing Technology 17 ■ In 1Q25, RRB upgraded online and mobile banking platforms using Q2 Software’s market leading products. These systems have enhanced RRB’s digital offerings for both consumer and business customers ■ Allows RRB to offer a unified user experience across multiple platforms ■ Further enhances our Treasury Management feature offering ■ Better aligns RRB with a roadmap for enhanced digital products and services ■ As part of our new online and mobile banking rollout, we partnered with Allied Payments to offer a new, more robust consumer and business bill pay product ■ Online and mobile banking channels: mobile deposit, virtual vault, Apple Pay®, mobile wallet, debit card controls, and P2P payments provided by Zelle® ■ SQN Banking Systems’ fraud detection system, which uses anomaly detection to detect fraud ■ Utilize Verafin for advanced analytics and machine learning to detect suspicious activity in near real-time, reducing fraud losses for our customers and RRB ■ Online deposit account opening and mortgage applications, which include a “Verification of Life” system in an effort to reduce fraud ■ Mobile, automated small-dollar loan system ■ Utilize MeridianLink for internal end-to-end consumer loan application system ■ Utilizing API for automation of processes to improve our efficiency and manage headcount ■ Invested in the JAM FINTOP Banktech fund as a resource for technology systems
Using AI nowDetail: Concrete exampleMachine learningFraud detectionCompliance and anti-money launderingVerafinSQN Banking SystemsNew this periodNew since the annual report
2 passages in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
Glossary 3 ■ 1Q22 – First Quarter of 2022 ■ 4Q23 – Fourth Quarter of 2023 ■ 2Q24 – Second Quarter of 2024 ■ 4Q24 – Fourth Quarter of 2024 ■ 1Q25 – First Quarter of 2025 ■ 2Q25 – Second Quarter of 2025 ■ 3Q25 – Third Quarter of 2025 ■ 4Q25 – Fourth Quarter of 2025 ■ 1Q26 – First Quarter of 2026 ■ 2Q26 – Second Quarter of 2026 ■ 3Q26 – Third Quarter of 2026 ■ 1H26 – First Half of 2026 ■ 2H26 – Second Half of 2026 ■ ACL – Allowance for credit losses ■ AI – Artificial Intelligence ■ AFS – Available-for-sale ■ AOCI – Accumulated other comprehensive income or loss ■ API – Application programming interface ■ B.A. – Bachelor of Arts ■ B.B.A. – Bachelor of Business Administration ■ BIC – Borrower-in-custody program ■ bp(s) – Basis point(s) ■ B.S. – Bachelor of Science ■ C&D – Construction and development loans ■ CAGR – Compound annual growth rate ■ CGMA – Chartered Global Management Accountant ■ CL(s) – Criticized loans ■ CPA – Certified Public Accountant ■ CRA – Community Reinvestment Act ■ CRE – Commercial real estate loans ■ DDA – Demand deposit accounts ■ EPS – Earnings per share ■ FDIC – Federal Deposit Insurance Corporation ■ FTE – Fully taxable equivalent basis ■ GAAP – Generally Accepted Accounting Principles in the United States of America ■ HFI – Held for investment ■ HFS – Held for sale ■ HTM – Held-to-maturity ■ IPO – Initial public offering ■ JAM FINTOP – JAM FINTOP Banktech, L.P. fund ■ J.D. – Juris Doctor ■ LDPO(s) – Loan and deposit production office(s) ■ LPO – Loan production office ■ L.L.C. – Limited liability company ■ L.L.P. – Limited liability partnership ■ LNG – Liquefied natural gas ■ M – Dollars in millions ■ M.B.A. – Master of Business Administration ■ MBS – Mortgage-backed securities ■ NIM – Net interest margin ■ NOO – Non-owner occupied ■ NOW – Negotiable order of withdrawal ■ NPA(s) – Nonperforming asset(s) ■ NPL(s) – Nonperforming loan(s) ■ P2P – Peer-to-peer ■ ROA – Return on average assets ■ ROE – Return on average equity ■ RRB – Red River Bank ■ RRBI – Red River Bancshares, Inc. ■ SBIC – Small Business Investment Company ■ SEC – United States Securities and Exchange Commission ■ TD – Time deposit ■ UBPR – Uniform Bank Performance Report ■ U.S. – United States of America ■ vs. – Versus ■ YTD – Year-to-date
Glossary 3 ■ 1Q22 – First Quarter of 2022 ■ 4Q23 – Fourth Quarter of 2023 ■ 2Q24 – Second Quarter of 2024 ■ 4Q24 – Fourth Quarter of 2024 ■ 1Q25 – First Quarter of 2025 ■ 2Q25 – Second Quarter of 2025 ■ 3Q25 – Third Quarter of 2025 ■ 4Q25 – Fourth Quarter of 2025 ■ 1Q26 – First Quarter of 2026 ■ 2Q26 – Second Quarter of 2026 ■ 3Q26 – Third Quarter of 2026 ■ 4Q26 – Fourth Quarter of 2026 ■ 2H26 – Second Half of 2026 ■ ACL – Allowance for credit losses ■ AI – Artificial Intelligence ■ AFS – Available-for-sale ■ AOCI – Accumulated other comprehensive income or loss ■ API – Application programming interface ■ B.A. – Bachelor of Arts ■ B.B.A. – Bachelor of Business Administration ■ BIC – Borrower-in-custody program ■ bp(s) – Basis point(s) ■ B.S. – Bachelor of Science ■ C&D – Construction and development loans ■ CAGR – Compound annual growth rate ■ CGMA – Chartered Global Management Accountant ■ CL(s) – Criticized loans ■ CPA – Certified Public Accountant ■ CRA – Community Reinvestment Act ■ CRE – Commercial real estate loans ■ DDA – Demand deposit accounts ■ EPS – Earnings per share ■ FDIC – Federal Deposit Insurance Corporation ■ FTE – Fully taxable equivalent basis ■ GAAP – Generally Accepted Accounting Principles in the United States of America ■ HFI – Held for investment ■ HFS – Held for sale ■ HTM – Held-to-maturity ■ IPO – Initial public offering ■ JAM FINTOP – JAM FINTOP Banktech, L.P. fund ■ J.D. – Juris Doctor ■ LDPO(s) – Loan and deposit production office(s) ■ LPO – Loan production office ■ L.L.C. – Limited liability company ■ L.L.P. – Limited liability partnership ■ LNG – Liquefied Natural Gas ■ M – Dollars in millions ■ M.B.A. – Master of Business Administration ■ MBS – Mortgage-backed securities ■ NIM – Net interest margin ■ NOO – Non-owner occupied ■ NOW – Negotiable order of withdrawal ■ NPA(s) – Nonperforming asset(s) ■ NPL(s) – Nonperforming loan(s) ■ P2P – Peer-to-peer ■ ROA – Return on average assets ■ ROE – Return on average equity ■ RRB – Red River Bank ■ RRBI – Red River Bancshares, Inc. ■ SBIC – Small Business Investment Company ■ SEC – United States Securities and Exchange Commission ■ TD – Time deposit ■ UBPR – Uniform Bank Performance Report ■ U.S. – United States of America ■ vs. – Versus ■ WAR – Weighted average rate ■ YTD – Year-to-date