Bank Safety Analysis
Is Rayne Building & Loan Association Safe? Rayne, Louisiana
Based on its Q2 2026 call report, Rayne Building & Loan Association meets the community bank leverage ratio test for well capitalized, its Texas ratio is 1.08%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Rayne Building & Loan Association's Community Bank Leverage Ratio is 29.06%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 29.06%
- Texas ratio (Q2 2026): 1.08%
- Noncurrent loans ratio (Q2 2026): 0.61%
Rayne Building & Loan Association is an FDIC-insured savings and loan association (FDIC Certificate #30447). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Rayne Building & Loan Association is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 1.85 percentage points higher than in Q1 2026, at -0.38%. On leverage ratio, Rayne Building & Loan Association ranks 5th highest among the 102 banks headquartered in Louisiana, at 29.06% (Q2 2026). Against a median of 12.62% for banks in the < $100M asset tier, Rayne Building & Loan Association reported 29.06% on leverage ratio in Q2 2026, 16.44 points higher. From Q3 2023 to Q2 2026, Rayne Building & Loan Association's Texas ratio ranged between 1.02% (Q1 2025) and 4.71% (Q4 2023). Between Q2 2025 and Q2 2026, Rayne Building & Loan Association's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.40% to 0.61%, Texas ratio fell from 2.64% to 1.08% and return on assets fell from 2.23% to -0.38%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
Leverage ratio of 29.06% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 29.06% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.61% are within industry-normal range.
Texas Ratio of 1.1% is well below the 100% historical failure threshold.
Efficiency ratio of 97.6% suggests significant cost-to-revenue challenges.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 1.08% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.61% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 71.49% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 25.95% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 1.08% |
| Q1 2026 | 1.14% |
| Q4 2025 | 1.29% |
| Q3 2025 | 1.80% |
| Q2 2025 | 2.64% |
| Q1 2025 | 1.02% |
| Q4 2024 | 1.04% |
| Q3 2024 | 1.93% |
| Q2 2024 | 2.96% |
| Q1 2024 | 4.15% |
| Q4 2023 | 4.71% |
| Q3 2023 | 4.63% |
Rayne Building & Loan Association by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.61% | 1.08% | -0.38% |
| Mar 31, 2026 | — | 0.65% | 1.14% | -2.23% |
| Dec 31, 2025 | — | 0.75% | 1.29% | -0.53% |
| Sep 30, 2025 | — | 1.00% | 1.80% | 0.95% |
| Jun 30, 2025 | — | 1.40% | 2.64% | 2.23% |
| Mar 31, 2025 | — | 0.49% | 1.02% | 0.54% |
| Dec 31, 2024 | — | 0.52% | 1.04% | 4.70% |
| Sep 30, 2024 | — | 0.91% | 1.93% | -0.80% |
| Jun 30, 2024 | — | 1.26% | 2.96% | 0.33% |
| Mar 31, 2024 | — | 1.79% | 4.15% | -2.26% |
| Dec 31, 2023 | — | 2.21% | 4.71% | -7.36% |
| Sep 30, 2023 | — | 2.01% | 4.63% | -0.71% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Rayne Building & Loan Association FDIC insured?
Yes. Rayne Building & Loan Association is an FDIC-insured savings and loan association (FDIC Certificate #30447). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Rayne Building & Loan Association well capitalized?
On its Q2 2026 call report, Rayne Building & Loan Association's Community Bank Leverage Ratio is 29.06%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Rayne Building & Loan Association's key safety ratios?
For Q2 2026, Rayne Building & Loan Association reports leverage 29.06%, Texas ratio 1.08%, noncurrent loans 0.61%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Rayne Building & Loan Association fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 30447) · FFIEC NIC profile (RSSD 518176)
Explore: Full Rayne Building & Loan Association profile · Other banks in LA · Metric glossary · How the call report works