RAYNE STATE BANK & TRUST COMPANY

RAYNE, LA | Medium | Est. July 1, 1943, midnight | FDIC #16075 | RSSD #900034 | FDIC
Latest Report: 2025-12-31

RAYNE STATE BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in RAYNE, LA, established in July 1, 1943, midnight. As of 2025-12-31, the bank reported total assets of $541M and total deposits of $485M. Profitability stands at 1.94% ROA and 20.44% ROE, with a net interest margin of 4.52%. The bank's CET1 capital ratio is 17.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 2.60%. FDIC Certificate #16075.

Assets

$541M

Deposits

$485M

Loans

$338M

Equity

$51M

Profitability

Return on Assets (ROA) 1.94%
Return on Equity (ROE) 20.44%
Net Interest Margin (NIM) 4.52%
Yield on Assets 6.07%
Cost of Funds 1.60%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.60%
NPA Ratio 0.27%
ACL / Loans 1.85%

Capital & Liquidity

CET1 Ratio 17.89%
Tier 1 Capital 17.89%
Total Capital Ratio 19.15%
Leverage Ratio 11.08%
Loan-to-Deposit 69.71%

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