Rayne Building & Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rayne Building & Loan Association of Rayne, LA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.38% | 3.14% | -3.52% | 11th bottom |
| ROAE | -1.37% | 10.43% | -11.80% | 13th bottom |
| Net Interest Margin | 2.67% | 3.93% | -1.26% | 9th bottom |
| Efficiency Ratio | 97.62% | 76.27% | +21.35% | 14th bottom |
| PPNR / Avg Assets | 0.04% | 1.40% | -1.36% | 13th bottom |
| Yield on Earning Assets | 4.95% | 5.35% | -0.40% | 39th below |
| Cost of Funds | 2.77% | 1.70% | +1.07% | 12th bottom |
| Net Interest Spread | 2.17% | 3.31% | -1.14% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.55% | 1.34% | -0.79% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.28% | 0.71% | -0.43% | 42nd below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.16% | 1.49% | -0.33% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 212.77% | 865.50% | -652.73% | 60th above |
| Texas Ratio | 1.08% | 8.26% | -7.18% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 29.06% | 17.59% | +11.47% | 87th top |
| Equity / Assets | 27.90% | 16.41% | +11.49% | 87th top |
| TCE / Tangible Assets | 27.90% | 16.16% | +11.74% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 71.49% | 72.83% | -1.34% | 44th below |
| Core Deposit Ratio | 81.90% | 88.22% | -6.32% | 16th bottom |
| Wholesale Funding Ratio | 0.03% | 5.30% | -5.27% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.20% | 4.31% | -7.51% | 18th bottom |
| Loan Growth (Y/Y) | -6.45% | 6.74% | -13.19% | 15th bottom |
| Deposit Growth (Y/Y) | -3.91% | 3.78% | -7.69% | 17th bottom |
See Rayne Building & Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rayne Building & Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Rayne Building & Loan Association profile, how to read a UBPR, or how this data updates.