Rayne Building & Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.87 percentage points higher than in Q1 2026, at 25.95%. 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. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Rayne Building & Loan Association sits 3.86 points higher, at 71.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.8M |
| Net loans and leases | $25.5M |
| Loans held for sale | $0 |
| Loans to total assets | 50.80% |
| Loan-to-deposit ratio | 71.49% |
| Net loans to equity capital | 1.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.71% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.67% |
| Consumer | 2.55% |
| Credit cards | 0.00% |
| Farm | 1.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.95% |
| Construction concentration (Tier 1 capital + allowance) | 25.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.79% |
| Interest income on loans | $407K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $29.9M | $44.0M | 10.52% | 5.58% | 2.50% |
| Q4 2023 | $29.9M | $41.6M | 10.35% | 5.32% | 2.28% |
| Q1 2024 | $31.5M | $42.1M | 9.64% | 4.82% | 2.18% |
| Q2 2024 | $31.9M | $40.0M | 9.35% | 4.21% | 1.79% |
| Q3 2024 | $29.5M | $38.2M | 9.95% | 4.32% | 1.96% |
| Q4 2024 | $28.1M | $37.9M | 7.70% | 4.19% | 2.04% |
| Q1 2025 | $29.8M | $37.8M | 7.13% | 3.68% | 1.88% |
| Q2 2025 | $27.6M | $37.6M | 7.78% | 3.73% | 1.93% |
| Q3 2025 | $26.9M | $37.0M | 7.84% | 3.50% | 2.53% |
| Q4 2025 | $25.7M | $37.2M | 8.05% | 3.24% | 2.61% |
| Q1 2026 | $25.7M | $36.6M | 7.91% | 2.92% | 2.43% |
| Q2 2026 | $25.8M | $36.1M | 7.71% | 2.67% | 2.55% |
Rayne Building & Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne Building & Loan Association, freeSource: Call Report Schedule RC-C, 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)