RAYNE BUILDING & LOAN ASSOCIATION

RAYNE, LA | Micro | Est. Jan. 1, 1900, midnight | FDIC #30447 | RSSD #518176 | FDIC
Latest Report: 2025-12-31

RAYNE BUILDING & LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in RAYNE, LA, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $52M and total deposits of $37M. Profitability stands at -0.54% ROA and -1.91% ROE, with a net interest margin of 2.40%. The bank's CET1 capital ratio is 27.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.56% and a Texas Ratio of 0.95%. FDIC Certificate #30447.

Assets

$52M

Deposits

$37M

Loans

$26M

Equity

$15M

Profitability

Return on Assets (ROA) -0.54%
Return on Equity (ROE) -1.91%
Net Interest Margin (NIM) 2.40%
Yield on Assets 4.59%
Cost of Funds 2.84%

Asset Quality

NPL Ratio 0.56%
Net Charge-Off Ratio -0.16%
Texas Ratio 0.95%
NPA Ratio 0.27%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 27.14%
Tier 1 Capital 27.14%
Total Capital Ratio 28.50%
Leverage Ratio 29.29%
Loan-to-Deposit 69.03%

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