What changed in this filing

/stocks — the workspaceLOADING

Item 9A. Controls and Procedures

2026-03-13 compared with 2025-03-14 · 29 added, 49 removed, 193 unchanged (29% of the section changed)

17 unchanged sentences

Other Information

On March 10, 2026, Kirk D.

Cooper, who is currently serving as a director of the Company and the Bank, provided us with notice of his decision to retire from the board of directors of the Company and the Bank at the end of his current term, which expires at our 2026 annual meeting of shareholders to be held on May 7, 2026.

His decision to retire was not due to a disagreement on any matter relating to the Company or Bank’s operations, policies, or practices.

Disclosure Regarding Foreign Jurisdictions that Prevent Inspections

10 unchanged sentences

Carriere, C.P.A., C.G.M.A.

58 Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary 33 26

59 Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary 34 27

Blake Chatelain 62 President and Chief Executive Officer President and Chief Executive Officer 44 27

Salazar 52 — Executive Vice President — Chief Banking Officer 30 26

Salazar 55 — Executive Vice President — Chief Operating Officer 32 26

Salazar 53 — Senior Executive Vice President — Chief Banking Officer 31 27

Salazar 56 — Senior Executive Vice President — Chief Operating Officer 33 27

A brief description of the background of each of the executive officers of the Company and the Bank is set forth below.

Except for (1) the spousal relationship of Bryon C.

Salazar, Executive Vice President — Chief Banking Officer and a director of the Bank, and Tammi R.

Salazar, Executive Vice President — Chief Operating Officer of the Bank;

Salazar, Senior Executive Vice President — Chief Banking Officer and a director of the Bank, and Tammi R.

Salazar, Senior Executive Vice President — Chief Operating Officer of the Bank;

and (2) the first cousin relationship of Tammi R.

2 unchanged sentences

Carriere, C.P.A., C.G.M.A .

Carriere serves as Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary of the Company and the Bank and has been with our organization since 1999.

Carriere serves as Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary of the Company and the Bank and has been with our organization since 1999.

Prior to joining the Bank, Ms.

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He is on the board of directors of Financial Institution Service Corporation, where he also serves on the Executive Committee of the board.

Chatelain is also a director and member of the Executive Committee of the Louisiana Association of Business and Industry.

Chatelain is also a director and member of the Executive Committee of the Louisiana Association of Business and Industry and a director of Louisiana Central.

He served as a member of the Louisiana State University Board of Supervisors from 2008 through 2020, having previously served as Chairman of the Board as well as chairing several committees.

Chatelain is a graduate of Louisiana State University and holds a B.S.

His deep institutional knowledge, extensive banking experience, as well as his long-standing business and banking relationships in our markets, qualify him to serve on our board of directors.

Salazar serves as Executive Vice President — Chief Banking Officer and a director of the Bank and chairs the Directors’ Loan Committee.

Salazar serves as Senior Executive Vice President — Chief Banking Officer and a director of the Bank.

He also chairs the Directors’ Loan Committee.

He has been with our organization since 1998.

Prior to joining the Bank, Mr.

Salazar was a commercial banker with Rapides Bank & Trust Company in Alexandria, Louisiana, as well as three other subsidiary banks of First Commerce Corporation in New Orleans, Louisiana.

Salazar currently serves on the Board of Trustees of Rapides Regional Medical Center, having served in the past as Chair of the Board.

He also served on the Board of Directors of the Louisiana Bankers’ Association from 2019 to 2022.

Salazar was a commercial banker with First Commerce Corporation in New Orleans, Louisiana.

He served on the Board of Trustees of Rapides Regional Medical Center for a period of nine years, including serving as the Chair of the Board and Immediate Past Chair.

He also served a three-year term on the Board of Directors of the Louisiana Bankers’ Association, in addition to a twelve-year term on the Board of Trustees of the Central Louisiana Port Commission that included four years as the Chair.

Salazar is a graduate of Louisiana State University and holds a B.S.

in Finance ( Magna Cum Laude ).

Salazar serves as Executive Vice President — Chief Operating Officer of the Bank.

Salazar serves as Senior Executive Vice President — Chief Operating Officer of the Bank.

She has been with our organization since 1998 and served as Executive Vice President — Private Banking, Mortgage, and Investments before assuming her current position in 2021.

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The information required by this item is incorporated herein by reference from our Definitive Proxy Statement for our 2026 Annual Meeting of Shareholders to be filed with the SEC within 120 days of the end of the fiscal year ended December 31, 2025.

Exhibit and Financial Statement Schedules

Exhibits and Financial Statement Schedules

(a) The following documents are filed as part of this Report:

2 unchanged sentences

• Report of Independent Registered Public Accounting Firm (PCAOB ID 274 )

• Report of Independent Registered Public Accounting Firm (PCAOB ID 396)

• Consolidated Balance Sheets as of December 31, 2025 and 2024

11 unchanged sentences

3.2 Red River Bancshares, Inc.

Amended and Restated Bylaws (incorporated by reference to Exhibit 3.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on March 1, 2021, file number 001-38888)

Amended and Restated Bylaws (incorporated by reference to Exhibit 3.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on February 26, 2026, file number 001-38888)

4.1 Specimen common stock certificate (incorporated by reference to Exhibit 4.1 to Red River Bancshares, Inc.’s Registration Statement on Form S-1 filed with the SEC on April 10, 2019, file number 333-230798)

EXHIBIT NUMBER DESCRIPTION

4.2 Description of Common Stock (incorporated by reference to Exhibit 4.2 to Red River Bancshares, Inc.’s Annual Report on Form 10-K filed with the SEC on March 27, 2020, file number 001-38888)

EXHIBIT NUMBER DESCRIPTION

4.3 Form of Indenture for Senior Indebtedness (incorporated by reference to Exhibit 4.3 to Red River Bancshares, Inc.’s Registration Statement on Form S-3 filed with the SEC on August 11, 2022, file number 333-266784)

10 unchanged sentences

10.6 Composite Form of Amended and Restated Supplemental Executive Retirement Benefits Agreement between Red River Bank and each of Isabel V.

Carriere, Andrew B.

Bridges Hall, Bryon C.

Salazar, Tammi R.

Salazar, and Debbie B.

Triche (incorporated by reference to Exhibit 10.2 to Red River Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on August 9, 2024, file number 001-38888) +

Carriere, Bryon C.

Salazar, and Tammi R.

10.7 Endorsement Method Split-Dollar Agreement between Red River Bank and R.

12 unchanged sentences

Salazar (incorporated by reference to Exhibit 10.3 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on July 12, 2021, file number 001-38888) +#

10.14 Composite Form of Endorsement Method Split-Dollar Agreement between Red River Bank and each of Isabel V.

Carriere, Andrew B.

Cutrer, and Debbie B.

Triche (incorporated by reference to Exhibit 10.6 to Red River Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on August 13, 2021, file number 001-38888) +#

10.14 Endorsement Method Split-Dollar Agreement between Red River Bank and Isabel V.

10.15 Supplemental Split-Dollar Agreement between Red River Bank and Isabel V.

Carriere (incorporated by reference to Exhibit 10.4 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on July 12, 2021, file number 001-38888) +#

10.16 Form of [Supplemental] Split-Dollar Agreement between Red River Bank and each of Andrew B.

Bridges Hall, IV, David K.

Thompson, and Debbie B.

Triche (incorporated by reference to Exhibit 10.7 to Red River Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on August 13, 2021, file number 001-38888) +#

10.16 Change in Control Agreement between Red River Bancshares, Inc.

4 unchanged sentences

Salazar (incorporated by reference to Exhibit 10.2 to Red River Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on August 13, 2021, file number 001-38888) +

10.19 Form of Amended and Restated Change in Control Agreement between Red River Bancshares, Inc.

and each of Andrew B.

Bridges Hall, IV, David K.

Thompson, and Debbie B.

Triche (incorporated by reference to Exhibit 10.30 to Red River Bancshares, Inc.'s Annual Report on Form 10-K filed with the SEC on March 18, 2022, file number 001-38888) +

10.18 Red River Bancshares, Inc.

2 unchanged sentences

10.19 Red River Bancshares, Inc.

and Red River Bank Amended and Restated Director Compensation Program (incorporated by reference to Exhibit 10.22 to Red River Bancshares, Inc.’s Annual Report on Form 10-K filed with the SEC on March 19, 2021, file number 001-38888) +

EXHIBIT NUMBER DESCRIPTION

10.22 Stock Repurchase Agreement, dated March 13, 2024, by and between Red River Bancshares, Inc., the Angela Katherine Simpson Irrevocable Trust UA 25-NOV-03, and the John Charles Simpson Jr.

Irrevocable Trust UA 25-NOV-03 (incorporated by reference to Exhibit 10.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on March 13, 2024, file number 001-38888)

10.23 Stock Repurchase Agreement, dated August 8, 2024, by and between Red River Bancshares, Inc., the Angela Katherine Simpson Irrevocable Trust UA 25-NOV-03, and the John Charles Simpson Jr.

Irrevocable Trust UA 25-NOV-03 (incorporated by reference to Exhibit 10.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on August 8, 2024, file number 001-38888)

10.24 Stock Repurchase Agreement, dated November 5, 2024, by and between Red River Bancshares, Inc., the Angela Katherine Simpson Irrevocable Trust UA 25-NOV-03, and the John Charles Simpson Jr.

Irrevocable Trust UA 25-NOV-03 (incorporated by reference to Exhibit 10.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on November 5, 2024, file number 001-38888)

16.1 Letter from Postlethwaite & Netterville, APAC dated December 15, 2023 (incorporated by reference to Exhibit 16.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on December 19, 2023, file number 001-38888)

and Red River Bank Amended and Restated Director Compensation Program (incorporated by reference to Exhibit 10.1 to Red River Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on May 9, 2025, file number 001-38888) +

10.20 Stock Repurchase Agreement, dated May 22, 2025, by and between Red River Bancshares, Inc., S3 Dynamics, L.P., and S3 Management, L.L.C.

(incorporated by reference to Exhibit 10.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on May 22, 2025, file number 001-38888)

10.21 Stock Repurchase Agreement, dated August 7, 2025, by and between Red River Bancshares, Inc., the Angela Katherine Simpson Irrevocable Trust UA 25-NOV-03, John Charles Simpson (incorporated by reference to Exhibit 10.1 to Red River Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on August 7, 2025, file number 001-38888)

19.1 Red River Bancshares, Inc.

and Subsidiaries Insider Trading Policy *

and Subsidiaries Insider Trading Policy (incorporated by reference to Exhibit 19.1 to Red River Bancshares, Inc.’s Annual Report on Form 10-K filed with the SEC on March 14, 2025, file number 001-38888)

21.1 Subsidiaries of Red River Bancshares, Inc.

23.1 Consent of Postlethwaite & Netterville *

23.1 Consent of EisnerAmper LLP *

2 unchanged sentences

31.2 Certification of Principal Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 *

EXHIBIT NUMBER DESCRIPTION

32.1 Certification of Principal Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 **

37 unchanged sentences

Carriere, CPA, CGMA

Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary

Senior Executive Vice President, Chief Financial Officer, and Assistant Corporate Secretary

(Principal Financial Officer and Principal Accounting Officer)

5 unchanged sentences

March 13, 2026 By:

/s/ Michael J.

March 13, 2026 By:

March 14, 2025 By:

/s/ Michael D.

9 unchanged sentences

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 9A. Controls and Procedures