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Rayne State Bank & Trust Company

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

Rayne, LA

6 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits -1.4% year over year ($480.0M on the books).
  • Delinquency rate 0.45%.
  • Return on assets 2.09%.
  • Efficiency ratio 51.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Rayne State Bank & Trust Company has 4 strengths but faces 2 concerns

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

  • + Profitability Leader: Top 46.4% in tier
  • + Net Interest Margin 0.27% above tier average
  • + Efficiency Ratio 12.52% below tier average
  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.5% in tier
  • - Credit Quality Pressure: Bottom 36.1% in tier
Get updates when Rayne State Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $540.5M
+0.5% YoY -5.8% QoQ
+$153.9M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $348.6M
+1.2% YoY +3.5% QoQ
+$90.2M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $480.0M
-1.4% YoY -7.1% QoQ
+$153.2M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 2.09%
+9.9% YoY +8.3% QoQ
+0.77% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Top 11.4% in tier
Net Interest Margin ? 4.25%
-0.6% YoY +5.3% QoQ
+0.27% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 51.96%
-6.3% YoY -3.0% QoQ
-12.52% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.45%
+76.0% YoY +1.8% QoQ
-0.47% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 72.63%
+2.6% YoY +11.4% QoQ
-5.33% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 29.49%
-0.9% YoY +4.3% QoQ
+7.46% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.29%
+77.3% YoY +11.8% QoQ
-0.38% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 18.32%
+9.7% YoY +0.4% QoQ
+2.41% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.15%
+3.8% YoY +110.8% QoQ
-0.42% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 29.5%
-0.3pp YoY
+1.2pp QoQ
 +7.3pp 22.1% 24.6% 22.2% 80%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 19.9%
-1.9pp YoY
-0.3pp QoQ
 +8.3pp 11.6% 12.6% 12.5% 88%
CRE 48.3%
-0.6pp YoY
-0.3pp QoQ
 +8.8pp 39.5% 44.9% 41.4% 68%
1-4 Family 31.5%
+3.4pp YoY
+0.4pp QoQ
 -1.1pp 32.6% 34.2% 31.3% 54%
Consumer 1.0%
0.0pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 4.2% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 18.3%
+1.6pp YoY
+0.1pp QoQ
 -0.5pp 18.8% 22.5% 19.7% 71%
Leverage Ratio 11.6%
+0.7pp YoY
+0.3pp QoQ
 -0.6pp 12.2% 13.4% 12.6% 59%
Total Capital Ratio 19.6%
+1.6pp YoY
+0.1pp QoQ
 -0.4pp 19.9% 23.6% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 69
-3 (-4.2%) YoY
+1 (+1.5%) QoQ
 +10 58 114 482 70%
Assets per Employee ($) $7.8M
+4.8% YoY
-7.2% QoQ
 +$315K $7.5M $6.8M $8.8M 65%
Branch Count 6
-1 (-14.3%) YoY
-1 (-14.3%) QoQ
 +1 4 9 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
 -0.3pp 0.3% 0.4% 0.4% 28%
Nonaccrual 0.4%
+0.4pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.4% 1.0% 49%
Allowance Coverage 3.95x
-42.1% YoY
-5.3% QoQ
 -20.20x 24.15x 27.36x 20.23x 65%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 21.9%
-1.5pp YoY
+1.0pp QoQ
 +9.8pp 12.2% 12.5% 11.6% 92%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 34%
Net Income ($, YTD) $5.8M
+16.7% YoY
— QoQ
 +$3.2M $2.6M $5.1M $40.4M 91%

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 (1)

Profitability Leader

growth
#308 of 661 • Top 46.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.09%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#52 of 936 • Bottom 5.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#454 of 1256 • Bottom 36.1% in tier

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

Why this signature
Delinquency Rate: 0.45%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

301
Return on Assets
profitability
Value: 2.09%
Peer Median: 1.32%
#301 of 2643 Top 11.4% in $100M-$1B
473
Tier 1 Capital Ratio
capital
Value: 18.32%
Peer Median: 15.91%
#473 of 2643 Top 17.9% in $100M-$1B
516
Non-Interest-Bearing Deposit Share
funding
Value: 29.49%
Peer Median: 22.03%
#516 of 2643 Top 19.5% in $100M-$1B
549
Efficiency Ratio
profitability
Value: 51.96%
Peer Median: 64.48%
#549 of 2643 Top 20.7% in $100M-$1B
586
Total Deposits
size
Value: $479.98M
Peer Median: $326.73M
#586 of 2643 Top 22.1% in $100M-$1B
653
Total Assets
size
Value: $540.52M
Peer Median: $386.57M
#653 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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