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Rayne Building & Loan Association

Rayne, LA · Cert 30447

SL · FDIC · 1 branch

Q2 2026

$50.8MAssets
$25.8MLoans
$36.1MDeposits
$14.2MEquity
Loan mix
95%RE $24.3M3%C&I $0.8M2%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $36.0M0%Noninterest $0.1MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.29%Q2 ’254.16%Q2 ’26+11%-5%

Non-interest income vs. expense

2.63%Q2 ’242.78%Q2 ’252.92%Q2 ’26+0%+6%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.3% share · #30 of 41 inst. · $0.0B of $12.2B

Executive Summary

  • Earnings: ROA of -1.32%, down 272 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.61% of loans (-79 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.06%, up 6 bps from a year ago.
  • Funding: loans stand at 71.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.32%-272 bps YoY

Net Interest Margin (YTD, annualized)

2.23%-12 bps YoY

Efficiency Ratio (YTD, annualized)

106.32%+948 bps YoY

Tier 1 Leverage Ratio

29.06%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.26%10.81%1-2.24%-1.32%-272 bps
Return on Equity5.23%4.63%2.96%-8.02%-4.72%-995 bps
Net Interest Margin2.35%2.35%2.32%2.14%2.23%-12 bps
Efficiency Ratio96.84%101.49%98.76%114.29%106.32%+948 bps
Non-Interest Burden2.24%2.37%2.26%2.50%2.38%+14 bps
Growth
Asset Growth (YoY)-3.09%-0.43%0.14%-1.68%-3.20%-11 bps
Loan Growth (YoY)-13.57%-9.04%-8.61%-13.79%-6.45%+713 bps
Deposit Growth (YoY)-6.12%-3.25%-1.88%-3.20%-3.91%+221 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.00%0.75%0.65%0.61%-79 bps
Net Charge-Offs / Loans-0.29%-0.20%-0.16%0.00%0.00%+29 bps
Allowance / Loans1.09%1.12%1.17%1.17%1.16%+7 bps
Allowance Coverage of NPLs0.8x1.1x1.6x1.8x1.9x+1.1x
Capital
Tier 1 Leverage Ratio29.00%29.34%29.29%28.86%29.06%+6 bps
Total Risk-Based Capital29.00%29.34%29.29%28.86%29.06%+6 bps
Equity / Assets27.37%28.10%28.02%27.89%27.90%+53 bps
Liquidity & Funding
Loans / Deposits73.42%72.63%69.03%70.14%71.49%-194 bps
Liquid Assets / Assets14.65%11.71%10.17%9.76%9.32%-533 bps
CRE / Total Capitaln/a34.61%34.77%35.11%n/an/a