Rayne Building & Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on assets: 1.85 percentage points higher than in Q1 2026, at -0.38%. On return on assets, Rayne Building & Loan Association is 5th from the bottom among 103 Louisiana banks, -0.38% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Rayne Building & Loan Association reported -0.38% on return on assets in Q2 2026, 1.36 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 29.06% |
| Equity capital to assets | 27.90% |
| Tangible equity to tangible assets | 27.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.08% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 212.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.38% |
| Return on equity | -1.37% |
| Net interest margin | 2.67% |
| Efficiency ratio | 97.62% |
| Yield on earning assets | 4.95% |
| Cost of funds | 2.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.49% |
| Core deposits to total deposits | 81.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.07% |
| Securities to assets | 26.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 28.82% | -0.71% | 2.17% | 0.82% | 0.00% |
| Q4 2023 | 27.02% | -7.36% | 2.22% | 1.02% | 0.00% |
| Q1 2024 | 26.40% | -2.26% | 2.12% | 1.29% | 0.00% |
| Q2 2024 | 26.66% | 0.33% | 2.68% | 1.26% | 0.00% |
| Q3 2024 | 26.78% | -0.80% | 2.71% | 0.91% | 0.00% |
| Q4 2024 | 29.05% | 4.70% | 2.94% | 0.52% | 1.76% |
| Q1 2025 | 28.97% | 0.54% | 2.63% | 0.49% | -0.60% |
| Q2 2025 | 29.00% | 2.23% | 2.85% | 0.53% | 0.00% |
| Q3 2025 | 29.34% | 0.95% | 2.75% | 0.54% | 0.00% |
| Q4 2025 | 29.29% | -0.53% | 2.62% | 0.56% | 0.00% |
| Q1 2026 | 28.86% | -2.23% | 2.50% | 0.55% | 0.00% |
| Q2 2026 | 29.06% | -0.38% | 2.67% | 0.55% | 0.00% |
Rayne Building & Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne Building & Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)