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Rayne Building And Loan Association
Rayne, LA · FDIC Certificate #30447 · Chartered 01/0
Total assets
$50.82M
Total deposits
$36.12M
Total equity
$14.18M
Net loans
$25.52M
Branches (offices)
1
Net income (YTD)
-$340.00K
Rank: #4,037 of 4,213 U.S. banks by assets · #101 of 103 in Louisiana. Assets changed -3.2% and deposits -3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.32% |
| Return on equity | -4.72% |
| Net interest margin (YTD) | 2.58% |
| Equity to assets | 27.90% |
| Tier 1 leverage ratio | 29.06% |
| Uninsured deposits (share of deposits) | 6.0% |
| Noncurrent loans (share of loans) | 0.61% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 70.7% |
| Real estate loans (share of loans) | 96.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.52M | 96.1% | |
| Commercial & industrial | $690.00K | 2.7% | |
| Consumer / individual | $661.00K | 2.6% | |
| Construction & development | $3.94M | 15.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $56.06M | $42.01M | $209.00K | $13.46M |
| Jun 2023 | $56.05M | $42.10M | $29.00K | $13.11M |
| Jun 2024 | $54.17M | $40.04M | -$271.00K | $13.34M |
| Jun 2025 | $52.50M | $37.59M | $368.00K | $14.37M |
| Jun 2026 | $50.82M | $36.12M | -$340.00K | $14.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $36.12M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $36.12M.
Similar-sized banks
The State Exchange Bank ($50.86M) · Peoples Bank Of Deer Lodge ($50.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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