Bank Comparison
Rayne State Bank & Trust Company vs Commercial Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Rayne State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| CET1 Ratio | 18.25% | — |
| Tier 1 Capital Ratio | 18.25% | — |
| Total Capital Ratio | 19.51% | — |
| Tier 1 Leverage Ratio | 11.31% | 11.56% |
| Equity / Assets | 9.04% | 11.20% |
Profitability
| Metric | Rayne State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 2.06% |
| Return on Equity (ROE) | 20.95% | 17.90% |
| Net Interest Margin (NIM) | 4.10% | 4.43% |
| Yield on Earning Assets | 5.55% | 6.94% |
| Cost of Funds | 1.54% | 2.68% |
Asset quality
| Metric | Rayne State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| Texas Ratio | 2.58% | 26.68% |
| Non-Performing Loan Ratio | 0.44% | 3.13% |
| Non-Performing Asset Ratio | 0.26% | 2.47% |
| Net Charge-Off Ratio | 0.00% | 0.44% |
| ACL / Loans | 1.82% | 1.05% |
Balance sheet
| Metric | Rayne State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| Total Assets | $573,813K | $569,558K |
| Total Deposits | $516,856K | $447,760K |
| Total Loans | $343,161K | $443,256K |
| Total Equity | $51,853K | $63,767K |
| Net Income (quarter) | $2,692K | $2,792K |
Liquidity & funding
| Metric | Rayne State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.39% | 98.99% |
| Core Deposit Ratio | 92.82% | 76.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Rayne State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| Headquarters City | RAYNE | DELHI |
| Headquarters State | LA | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 8 |
| Employees (FTE) | 68 | 59 |
| Established | July 1, 1943, midnight | Feb. 22, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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