Rayne Building & Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Rayne Building & Loan Association is an FDIC-insured savings and loan association headquartered in Rayne, LA (FDIC certificate 30447), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $50.8M, down 3.2% from Q2 2025, the 101st largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 29.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30447
- Headquarters
- Rayne, LA
- Established
- Not reported
- Total assets, Q2 2026
- $50.8M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 29.06%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 265270811
- Latest call report
- Q2 2026, FFIEC 051 · Rayne Building & Loan Association call report
- Asset rank in state
- 101st of 102 in Louisiana
Rayne Building & Loan Association, based in Rayne, Louisiana, reported $51 million in assets at June 30, 2026, down 3.2% from a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also loses about $0.38 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.06).
It lost $49,000 in the quarter. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.61% of loans from 1.40%. Funding is the softer spot: it pays an average of 2.77% on its deposits and borrowings, about double the median of 1.53% for banks its size.
As of June 30, 2026, Rayne Building & Loan Association reported a return on assets of -0.38%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 1.08%. The figures come from its call report filed with the FFIEC.
Rayne Building & Loan Association ranks as the 101st largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $50.8M, loans rose 0.6% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 70.6% of total loans, ahead of construction and land development loans at 15.3%. The FDIC Summary of Deposits lists a single office for it, in Rayne, LA. Judged on its Q2 2026 call report, Rayne Building & Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N Adams Ave, Rayne, LA 70578
- County
- Acadia
- Metro Area
- Lafayette, LA
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $36.1M
- Allowance for credit losses
- $300K
- Net charge-offs (YTD)
- $0
- Average total assets
- $51.8M
- Average total loans
- $24.0M
- Average interest-bearing deposits
- $36.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30447
- Fed RSSD
- 518176
- Website
- www.raynebuildingloan.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Rayne Building & Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Rayne Building & Loan Association's total assets ran between $50.8M (Q2 2026) and $57.4M (Q3 2023), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$50.8M total assets against $52.5M; $36.6M total liabilities against $38.1M.
$25.5M net loans and leases against $27.3M; $36.1M total deposits against $37.6M.
$13.2M securities against $10.3M; $4.9M cash and balances due against $7.8M.
$546K total interest income against $581K; $252K total interest expense against $260K.
$294K net interest income against $321K.
$68K total noninterest income against $88K; $357K total noninterest expense against $368K.
-$5K provision for credit losses against $5K.
-$49K net income against $296K.
-0.38% return on assets against 2.23%; 2.67% net interest margin against 2.85%.
29.06% tier 1 leverage ratio against 29.00%.
Inside the full Rayne Building & Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.23% (Q1 2026) to 4.70% (Q4 2024) and its net interest margin ran from 2.50% (Q1 2026) to 2.94% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.06% | -0.38% | 0.61% | 1.08% | 2.67% |
| Q1 2026 | 28.86% | -2.23% | 0.65% | 1.14% | 2.50% |
| Q4 2025 | 29.29% | -0.53% | 0.75% | 1.29% | 2.62% |
| Q3 2025 | 29.34% | 0.95% | 1.00% | 1.80% | 2.75% |
| Q2 2025 | 29.00% | 2.23% | 1.40% | 2.64% | 2.85% |
| Q1 2025 | 28.97% | 0.54% | 0.49% | 1.02% | 2.63% |
| Q4 2024 | 29.05% | 4.70% | 0.52% | 1.04% | 2.94% |
| Q3 2024 | 26.78% | -0.80% | 0.91% | 1.93% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rayne Building and Loan Association | Rayne , LA | 70578 | $36.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- October 12, 2004, OCC (former OTS): Supervisory Agreement: Rayne Building and Loan Association
- Period: Most recent institution action October 12, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in LA, rank 116 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rayne Building & Loan Association
What are Rayne Building & Loan Association's total assets?
As of the Q2 2026 filing, Rayne Building & Loan Association reported total assets of $50.8 million in its FFIEC call report.
Where is Rayne Building & Loan Association headquartered?
It is headquartered in Rayne, LA, United States.
Is Rayne Building & Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30447). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rayne Building & Loan Association?
Rayne Building & Loan Association's primary federal regulator is the FDIC.
How many branches does Rayne Building & Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rayne Building & Loan Association's Texas Ratio?
Its Texas Ratio is 1.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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