BanksRAYNE BUILDING & LOAN ASSOCIATION

RAYNE BUILDING & LOAN ASSOCIATION

RAYNE, LAMicroEst. Jan. 1, 1900, midnightFDIC #30447RSSD #518176FDIC
Latest · 2025-12-31

RAYNE BUILDING & LOAN ASSOCIATION is an 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%. CET1 capital ratio: 27.14%, well above regulatory minimums. NPL ratio: 0.56% · Texas Ratio: 0.95%. Operates 1 domestic branch.

Assets
$52M
Deposits
$37M
Loans
$26M
Equity
$15M

Profitability

Return on Assets (ROA)-0.54%
Return on Equity (ROE)-1.91%
Net Interest Margin2.40%
Yield on Assets4.59%
Cost of Funds2.83%

Asset Quality

NPL Ratio0.56%
Net Charge-Off Ratio-0.16%
Texas Ratio0.95%
NPA Ratio0.27%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio27.14%
Tier 1 Capital27.14%
Total Capital Ratio28.50%
Leverage Ratio29.29%
Loan-to-Deposit69.03%

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