Red River Bank was incorporated as a Louisiana Banking Corporation on July 29, 1998. The bank received its certificate of authority to operate as a commercial bank from the Louisiana Office of Financial Institutions and commenced operations on January 14, 1999. The deposits of Red River Bank are insured to the maximum extent permitted by the Federal Deposit Insurance Corporation. Red River Bank is a member of the Federal Home Loan Bank of Dallas. Red River Bank is a wholly-owned subsidiary of Red River Bancshares, Inc., a Louisiana corporation and registered bank holding company which was incorporated March 16, 1998 for the purpose of organizing and owning all of the capital stock of Red River Bank. Red River Bancshares, Inc. is not a publicly traded corporation. Its stock is owned by over 400 shareholders.