BlastPoint's Banking Scorecard

Rayne State Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 16075

Rayne, LA

7 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Rayne State Bank & Trust Company has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.66% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 11.73% below tier average
+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 48.9% in tier

Get updates when Rayne State Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$573.8M +10.9% YoY +6.0% QoQ	+$187.7M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$336.9M +0.3% YoY +1.5% QoQ	+$81.2M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$516.9M +10.2% YoY +6.6% QoQ	+$188.9M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	1.93% +4.2% YoY -3.8% QoQ	+0.66%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Top 14.2% in tier
Net Interest Margin ?	4.04% -4.2% YoY -7.1% QoQ	+0.11%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	53.55% -6.1% YoY -0.1% QoQ	-11.73%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.44% -0.6% QoQ	-0.44%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	65.19% -9.0% YoY -4.7% QoQ	-11.45%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	28.26% -7.2% YoY -5.8% QoQ	+6.24%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.26% -4.9% QoQ	-0.38%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	18.25% +11.5% YoY +2.0% QoQ	+2.42%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.07% -6.9% YoY -79.3% QoQ	-0.21%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#641 of 1308 • Bottom 48.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

378

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.27%

#378 of 2664 Top 14.2% in $100M-$1B

487

Tier 1 Capital Ratio

capital

Value: 18.25%

Peer Median: 15.83%

#487 of 2664 Top 18.2% in $100M-$1B

503

Total Deposits

size

Value: $516.86M

Peer Median: $327.97M

#503 of 2664 Top 18.8% in $100M-$1B

576

Total Assets

size

Value: $573.81M

Peer Median: $386.08M

#576 of 2664 Top 21.6% in $100M-$1B

604

Efficiency Ratio

profitability

Value: 53.55%

Peer Median: 65.29%

#604 of 2664 Top 22.6% in $100M-$1B

608

Non-Interest-Bearing Deposit Share

funding

Value: 28.26%

Peer Median: 22.02%

#608 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available