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Rayne State Bank & Trust Company

Rayne, LA · Cert 16075 · Financial Corp. of Louisiana

State charter, non-member · FDIC · 6 branches

Q2 2026

$540.5MAssets
$354.8MLoans
$480.0MDeposits
$55.1MEquity
Loan mix
79%RE $269.0M20%C&I $68.1M1%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $338.4M29%Noninterest $141.5MQ2 2025Q2 2026

NIM

5.24%Q2 ’245.38%Q2 ’255.30%Q2 ’26+1%+1%

Non-interest income vs. expense

2.67%Q2 ’242.32%Q2 ’252.19%Q2 ’26-13%-6%

Market Position · Lafayette, LA · 2026 SOD (annual) · 3.9% share · #6 of 41 inst. · $0.5B of $12.2B

3.4% Lafayette
13.9% Acadia

Executive Summary

  • Earnings: ROA of 1.64%, up 15 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.44% of loans (+19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.58%, up 66 bps from a year ago.
  • Funding: loans stand at 73.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+3 bps YoY

Efficiency Ratio (YTD, annualized)

51.96%-349 bps YoY

Tier 1 Leverage Ratio

11.58%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.60%1.58%1.52%1.64%+15 bps
Return on Equity18.41%18.88%18.27%16.47%17.23%-119 bps
Net Interest Margin3.91%4.00%3.92%3.84%3.94%+3 bps
Efficiency Ratio55.45%53.80%53.63%53.55%51.96%-349 bps
Non-Interest Burden2.04%1.98%1.95%1.92%1.91%-13 bps
Growth
Asset Growth (YoY)8.46%5.65%7.43%10.90%0.47%-799 bps
Loan Growth (YoY)0.78%-3.35%-0.46%0.40%1.24%+46 bps
Deposit Growth (YoY)11.46%5.94%5.68%10.23%-1.36%-1,282 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.29%0.44%0.44%0.44%+19 bps
Net Charge-Offs / Loans0.00%0.03%0.02%0.00%0.01%0 bps
Allowance / Loans1.73%1.82%1.85%1.82%1.76%+3 bps
Allowance Coverage of NPLs6.8x6.2x4.2x4.2x3.9x-2.9x
Capital
Tier 1 Leverage Ratio10.93%11.35%11.08%11.31%11.58%+66 bps
Total Risk-Based Capital17.95%19.60%19.15%19.51%19.58%+163 bps
Equity / Assets8.36%9.52%9.41%9.04%10.19%+183 bps
Liquidity & Funding
Loans / Deposits72.02%70.98%69.71%66.39%73.92%+190 bps
Liquid Assets / Assets7.63%8.53%9.34%13.11%5.41%-222 bps
CRE / Total Capitaln/a259%255%258%n/an/a