Remote sensing (RS) image-text retrieval plays a critical role in understanding massive RS imagery. However, the dense multi-object distribution and complex backgrounds in RS imagery make it difficult to simultaneously achieve fine-grained cross-modal alignment and efficient retrieval. Existing methods either rely on complex cross-modal interactions that lead to low retrieval efficiency, or depend on large-scale vision-language adaptation, which requires massive data and computational resources. To address these issues, we develop a fast-then-fine (FTF) retrieval framework centered on interaction-free multi-granular recall and parameter-free text-guided cross-modal reranking with the Balanced Text-guided Interaction Block (BTIB). Specifically, interaction-free multi-granular recall pre-computes gallery embeddings and matches them with the corresponding query embedding without full-gallery token-level text-image interaction, while text-guided cross-modal reranking with BTIB refines local semantic correspondence within the top-K candidate set. Furthermore, an inter- and intra-modal loss is designed to jointly optimize cross-modal alignment across multi-granular representations. Extensive experiments on public benchmarks demonstrate that the FTF achieves competitive retrieval accuracy while significantly improving retrieval efficiency compared with existing methods.

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