Rayne State Bank & Trust Company
Rayne, LA · Cert 16075 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Financial Corp. of Louisiana
State charter, non-member · FDIC · 6 branches
Q2 2026
$540.5MAssets
$354.8MLoans
$480.0MDeposits
$55.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks under $1B in assets operating in a single state (rank 78 of 746).
- Widest gap: equity / assets trails 54% of banks under $1B in assets operating in a single state (rank 401 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.68%
Rank 116 of 746
Net Interest Margin
3.94%
Rank 276 of 746
Efficiency Ratio
51.96%
Rank 133 of 746
Equity / Assets
10.19%
Rank 401 of 746
Non-interest income vs. expense
Unfavorable gap of $10.9M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.72% | 1.06% | 1.45% | Beats 84% | 116 / 746 | | |
| Return on Equity | 16.46% | 6.74% | 10.51% | 13.63% | Beats 90% | 78 / 746 | | |
| Net Interest Margin | 3.94% | 3.17% | 3.68% | 4.16% | Beats 63% | 276 / 746 | | |
| Efficiency Ratio | 51.96% | 55.74% | 64.58% | 75.47% | Beats 82% | 133 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.42% | 1.07% | Beats 49% | 382 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 58% | 313 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.32% | 11.55% | 13.75% | 17.60% | Beats 78% | 162 / 746 | | |
| Total Risk-Based Capital Ratio | 19.58% | 11.71% | 14.33% | 18.43% | Beats 80% | 151 / 746 | | |
| Equity / Assets | 10.19% | 8.90% | 10.51% | 13.06% | Beats 46% | 401 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.92% | 61.31% | 78.27% | 90.78% | 42nd pctl | 431 / 746 | | |
| Loans / Assets | 65.64% | 53.60% | 66.97% | 76.08% | 46th pctl | 401 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |