BlastPoint's Banking Scorecard
Rayne Building and Loan Association
Designations: ✓ Community bank ✓ Mutual
Rayne, 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits -3.9% year over year ($36.1M on the books).
- Delinquency rate 0.62%.
- Return on assets -1.32%.
- Efficiency ratio 106.32% vs a 119.40% peer average.
- Loan-to-deposit ratio 70.66% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Rayne Building and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.08% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.32% below tier average
- - Net Interest Margin 1.33% below tier average
- - Non-Interest-Bearing Deposit Share 23.22% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.8M
-3.2% YoY
-1.3% QoQ
|
-$11.6M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$25.5M
-6.5% YoY
+0.6% QoQ
|
-$9.4M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$36.1M
-3.9% YoY
-1.3% QoQ
|
-$15.5M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
-1.32%
-193.9% YoY
+41.2% QoQ
|
-2.32% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.4% in tier |
| Net Interest Margin ? |
2.58%
-5.4% YoY
+4.0% QoQ
|
-1.33% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio ? |
106.32%
+9.8% YoY
-7.0% QoQ
|
-13.08% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate ? |
0.62%
-56.6% YoY
-6.6% QoQ
|
-0.87% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
70.66%
-2.7% YoY
+1.9% QoQ
|
-3.55% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
0.27%
-13.9% YoY
-44.4% QoQ
|
-23.22% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-58.1% YoY
-4.8% QoQ
|
-0.53% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
29.06%
+0.2% YoY
+0.7% QoQ
|
+1.94% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.28%
+1.9% YoY
+95.6% QoQ
|
-1.10% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
0.3%
0.0pp YoY -0.2pp QoQ |
-24.4pp | 24.6% | 24.6% | 22.2% | 1% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
2.7%
-1.1pp YoY -0.3pp QoQ |
-10.7pp | 13.4% | 12.6% | 12.5% | 9% |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
71.4%
-0.9pp YoY -2.4pp QoQ |
+36.5pp | 35.0% | 34.2% | 31.3% | 87% |
| Consumer |
2.6%
+0.6pp YoY +0.1pp QoQ |
-5.1pp | 7.7% | 4.2% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
29.1%
+0.1pp YoY +0.2pp QoQ |
+11.4pp | 17.7% | 13.4% | 12.6% | 93% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
-2 (-20.0%) YoY -1 (-11.1%) QoQ |
-4 | 12 | 114 | 482 | 29% |
| Assets per Employee ($) |
$6.4M
+21.0% YoY +11.1% QoQ |
+$164K | $6.2M | $6.8M | $8.8M | 56% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.8pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 20% |
| Nonaccrual |
0.6%
0.0pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 1.4% | 1.0% | 43% |
| Allowance Coverage |
1.91x
+146.5% YoY +6.4% QoQ |
-4.50x | 6.41x | 27.36x | 20.23x | 61% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-4.7%
-9.9pp YoY +3.3pp QoQ |
-11.1pp | 6.4% | 12.5% | 11.6% | 8% |
| Cost of Funds (YTD) |
2.3%
0.0pp YoY 0.0pp QoQ |
+0.9pp | 1.4% | 1.7% | 1.7% | 88% |
| Net Income ($, YTD) |
$-340000.0
-192.4% YoY — QoQ |
-$658K | $317,817 | $5.1M | $40.4M | 5% |
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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 (0)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.