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Rayne State Bank & Trust Company
Rayne, LA · FDIC Certificate #16075 · Chartered 07/0
Total assets
$540.52M
Total deposits
$479.98M
Total equity
$55.07M
Net loans
$348.58M
Branches (offices)
6
Net income (YTD)
$5.77M
Rank: #1,693 of 4,213 U.S. banks by assets · #39 of 103 in Louisiana. Assets changed 0.5% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.09% |
| Return on equity | 21.95% |
| Net interest margin (YTD) | 4.25% |
| Equity to assets | 10.19% |
| Tier 1 leverage ratio | 11.58% |
| Uninsured deposits (share of deposits) | 41.4% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.6% |
| Real estate loans (share of loans) | 79.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $278.58M | 79.9% | |
| Commercial & industrial | $69.20M | 19.9% | |
| Consumer / individual | $3.59M | 1.0% | |
| Construction & development | $36.28M | 10.4% | |
| Agricultural | $3.33M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $474.32M | $423.99M | $4.26M | $45.51M |
| Jun 2023 | $488.54M | $429.57M | $4.87M | $48.42M |
| Jun 2024 | $496.00M | $436.59M | $3.96M | $52.93M |
| Jun 2025 | $537.97M | $486.61M | $4.95M | $44.95M |
| Jun 2026 | $540.52M | $479.98M | $5.77M | $55.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $479.98M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $479.98M.
Similar-sized banks
Connection Bank ($540.91M) · Herring Bank ($540.50M)
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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