Rayne Building & Loan Association
Rayne, LA · Cert 30447 · Peer group: banks under $1B in assets (n=581-629)
SL · FDIC · 1 branch
Q2 2026
$50.8MAssets
$25.8MLoans
$36.1MDeposits
$14.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on assets trails 96% of banks under $1B in assets (rank 604 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-1.34%
Rank 604 of 629
Net Interest Margin
2.23%
Rank 590 of 629
Efficiency Ratio
106.32%
Rank 590 of 629
Equity / Assets
27.90%
Rank 61 of 629
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 6% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.34% | 0.60% | 1.01% | 1.45% | Beats 4% | 604 / 629 | |
| Return on Equity | -4.80% | 5.38% | 9.30% | 13.28% | Beats 5% | 597 / 629 | |
| Net Interest Margin | 2.23% | 3.03% | 3.54% | 4.05% | Beats 6% | 590 / 629 | |
| Efficiency Ratio | 106.32% | 58.35% | 67.79% | 79.08% | Beats 6% | 590 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.09% | 0.46% | 1.20% | Beats 43% | 332 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 29.06% | 11.24% | 13.84% | 18.77% | Beats 87% | 84 / 629 | |
| Total Risk-Based Capital Ratio | 29.06% | 11.58% | 14.43% | 19.66% | Beats 86% | 86 / 629 | |
| Equity / Assets | 27.90% | 9.09% | 10.65% | 13.80% | Beats 90% | 61 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 71.49% | 67.24% | 80.90% | 93.48% | 33rd pctl | 399 / 594 | |
| Loans / Assets | 50.80% | 53.31% | 67.71% | 78.15% | 22nd pctl | 493 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |