BlastPoint's Banking Scorecard
Rayne Building and Loan Association
Designations: ✓ Community bank ✓ Mutual
Rayne, LA
Rayne Building and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.10% below tier average
- - Net Interest Margin 1.39% below tier average
- - Efficiency Ratio 26.66% above tier average
- - Non-Interest-Bearing Deposit Share 23.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.5M
-1.7% YoY
-1.8% QoQ
|
-$10.8M |
$62.3M
-0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.0% YoY
|
33% |
| Total Loans ? |
$25.4M
-13.9% YoY
-0.1% QoQ
|
-$8.9M |
$34.3M
-1.5% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.7% YoY
|
37% |
| Total Deposits ? |
$36.6M
-3.2% YoY
-1.6% QoQ
|
-$15.2M |
$51.8M
-0.6% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.0% YoY
|
26% |
| Return on Assets ? |
-2.24%
-507.3% YoY
-376.8% QoQ
|
-3.10% |
0.86%
-3.6% YoY
|
1.24%
+12.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 4.1% in tier |
| Net Interest Margin ? |
2.48%
-5.3% YoY
-7.6% QoQ
|
-1.39% |
3.87%
+2.7% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio ? |
114.29%
+9.0% YoY
+15.7% QoQ
|
+26.66% |
87.63%
+2.3% YoY
|
70.37%
-1.0% YoY
|
66.84%
-3.8% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate ? |
0.66%
+32.9% YoY
-13.4% QoQ
|
-0.70% |
1.36%
+33.7% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
69.32%
-11.1% YoY
+1.6% QoQ
|
+5.21% |
64.11%
-0.9% YoY
|
75.16%
-1.5% YoY
|
76.69%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
0.48%
-42.1% YoY
+52.1% QoQ
|
-23.31% |
23.79%
+0.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.1% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+16.3% YoY
-11.9% QoQ
|
-0.45% |
0.77%
+28.7% YoY
|
1.07%
+4.2% YoY
|
0.66%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
28.86%
-0.4% YoY
-1.5% QoQ
|
+2.09% |
26.77%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.14%
+35.0% YoY
-81.5% QoQ
|
-0.53% |
0.67%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.0% YoY
|
82% |
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Signature Analysis
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Metric Rankings
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