Rayne Building & Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.74 percentage points in Q2 2026, from 84.54% to 87.29%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Rayne Building & Loan Association is 70th of 103 on loan-to-deposit ratio, 71.49% as of Q2 2026, below the middle of the field. Rayne Building & Loan Association reported 71.49% on loan-to-deposit ratio for Q2 2026, 3.86 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.49% |
| Net loans and leases to deposits | 70.66% |
| Loans and leases to core deposits | 87.29% |
| Core deposits to total deposits | 81.90% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.87% | 77.06% | $0 | $46K |
| Q4 2023 | 71.73% | 77.47% | $0 | $44K |
| Q1 2024 | 74.70% | 75.29% | $0 | $41K |
| Q2 2024 | 79.76% | 79.54% | $0 | $39K |
| Q3 2024 | 77.25% | 83.69% | $0 | $36K |
| Q4 2024 | 74.12% | 83.54% | $0 | $33K |
| Q1 2025 | 78.76% | 84.03% | $0 | $31K |
| Q2 2025 | 73.42% | 83.83% | $0 | $28K |
| Q3 2025 | 72.63% | 83.44% | $0 | $25K |
| Q4 2025 | 69.03% | 82.04% | $0 | $22K |
| Q1 2026 | 70.14% | 82.96% | $0 | $20K |
| Q2 2026 | 71.49% | 81.90% | $0 | $17K |
Rayne Building & Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne Building & Loan Association, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rayne Building & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30447) · FFIEC NIC profile (RSSD 518176)