Rayne State Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Rayne State Bank & Trust Company is an FDIC-insured commercial bank headquartered in Rayne, LA, established in 1943 (FDIC certificate 16075), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $540.5M, up 0.5% from Q2 2025, the 39th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 18.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16075
- Headquarters
- Rayne, LA
- Established
- 1943
- Total assets, Q2 2026
- $540.5M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 18.32%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 065204443
- Latest call report
- Q2 2026, FFIEC 051 · Rayne State Bank & Trust Company call report
- Holding company
- FINANCIAL CORPORATION OF LOUISIANA
- Asset rank in state
- 39th of 102 in Louisiana
Rayne State Bank & Trust Company is one of the more profitable banks of its size. It reported $541 million in assets at June 30, 2026. It returns 23.1% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 1.4% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Net income for the quarter rose 20% from a year earlier, to $3.1 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.40% of loans from 0.25% a year earlier.
As of June 30, 2026, Rayne State Bank & Trust Company reported a CET1 capital ratio of 18.32%, a return on assets of 2.17%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.31%. The figures come from its call report filed with the FFIEC.
Rayne State Bank & Trust Company ranks as the 39th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.8% to $540.5M, loans rose 3.4% and deposits fell 7.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.0% of total loans, followed by owner-occupied commercial real estate loans at 22.6%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in LA; its Lafayette 2 offices book 55% of its branch deposits. On its Q2 2026 call report, Rayne State Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Adams Ave, Rayne, LA 70578
- County
- Acadia
- Metro Area
- Lafayette, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1943
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $480.0M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $569.3M
- Average total loans
- $353.6M
- Average interest-bearing deposits
- $400.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 16075
- Fed RSSD
- 900034
- Website
- www.bankonnet.bank →
- Parent Holding Company
- FINANCIAL CORPORATION OF LOUISIANA (RSSD 2227182)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Rayne State Bank & Trust Company's total assets ran between $495.6M (Q3 2023) and $573.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$540.5M total assets against $538.0M; $485.4M total liabilities against $493.0M.
$348.6M net loans and leases against $344.4M; $480.0M total deposits against $486.6M.
$134.0M securities against $121.7M; $39.6M cash and balances due against $53.3M.
$7.8M total interest income against $7.5M; $1.9M total interest expense against $2.0M.
$5.8M net interest income against $5.4M.
$401K total noninterest income against $381K; $3.1M total noninterest expense against $3.1M.
$0 provision for credit losses against $100K.
$3.1M net income against $2.6M.
2.17% return on assets against 1.91%; 4.38% net interest margin against 4.36%.
18.32% CET1 capital ratio against 16.69%; 11.58% tier 1 leverage ratio against 10.93%.
Inside the full Rayne State Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRayne State Bank & Trust Company rankings
Its closest position to the top of a national ranking is 337 of 3,611, for ROA; its furthest is 2,133 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.68% (Q3 2024) to 2.23% (Q3 2025) and its net interest margin ran from 4.10% (Q1 2026) to 4.52% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.32% | 2.17% | 0.44% | 2.31% | 4.38% |
| Q1 2026 | 18.25% | 1.92% | 0.44% | 2.30% | 4.10% |
| Q4 2025 | 17.89% | 1.86% | 0.44% | 2.31% | 4.27% |
| Q3 2025 | 18.34% | 2.23% | 0.29% | 1.45% | 4.52% |
| Q2 2025 | 16.69% | 1.91% | 0.25% | 1.74% | 4.36% |
| Q1 2025 | 16.37% | 1.80% | 0.03% | 0.19% | 4.23% |
| Q4 2024 | 15.88% | 1.76% | 0.03% | 0.21% | 4.27% |
| Q3 2024 | 15.74% | 1.68% | 0.10% | 0.70% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kaliste Saloom Branch | Lafayette , LA | 70508 | $251.6M |
| Rayne State Bank & Trust Company (main office) | Rayne , LA | 70578 | $140.2M |
| Carencro Branch | Carencro , LA | 70520 | $44.5M |
| Church Point Branch | Church Point , LA | 70525 | $29.1M |
| Guilbeau Branch | Lafayette , LA | 70506 | $14.5M |
| Rayne Motor Branch | Rayne , LA | 70578 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 43 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 83 applications, 78 loans originated, $20.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.8M approved, $910K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rayne State Bank & Trust Company
What are Rayne State Bank & Trust Company's total assets?
As of the Q2 2026 filing, Rayne State Bank & Trust Company reported total assets of $540.5 million in its FFIEC call report.
Where is Rayne State Bank & Trust Company headquartered?
It is headquartered in Rayne, LA, United States.
When was Rayne State Bank & Trust Company founded?
It was established in 1943, per the FDIC institution directory.
Is Rayne State Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rayne State Bank & Trust Company?
Rayne State Bank & Trust Company's primary federal regulator is the FDIC.
What is Rayne State Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rayne State Bank & Trust Company operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rayne State Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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