Rayne State Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.15 percentage points higher than in Q1 2026, at 10.19%. Within Louisiana, Rayne State Bank & Trust Company is 20th of 46 on CET1 ratio, 18.32% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Rayne State Bank & Trust Company sits 3.25 points higher, at 18.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.32% |
| Tier 1 risk-based capital ratio | 18.32% |
| Total risk-based capital ratio | 19.58% |
| Tier 1 leverage ratio | 11.58% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $65.9M |
| Tier 1 capital | $65.9M |
| Total risk-based capital | $70.5M |
| Total equity capital | $55.1M |
| Risk-weighted assets | $359.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
| Equity capital to average assets | 9.67% |
| Internal capital growth rate | 18.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $23.4M |
| Retained earnings | $41.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.08% | 19.08% | 20.33% | 13.18% | $349.3M |
| Q4 2023 | 18.53% | 18.53% | 19.78% | 12.86% | $356.8M |
| Q1 2024 | 18.94% | 18.94% | 20.19% | 13.19% | $358.1M |
| Q2 2024 | 19.27% | 19.27% | 20.52% | 13.41% | $358.3M |
| Q3 2024 | 15.74% | 15.74% | 17.00% | 10.83% | $350.6M |
| Q4 2024 | 15.88% | 15.88% | 17.14% | 10.63% | $348.0M |
| Q1 2025 | 16.37% | 16.37% | 17.62% | 10.84% | $348.1M |
| Q2 2025 | 16.69% | 16.69% | 17.95% | 10.93% | $353.7M |
| Q3 2025 | 18.34% | 18.34% | 19.60% | 11.35% | $334.8M |
| Q4 2025 | 17.89% | 17.89% | 19.15% | 11.08% | $343.4M |
| Q1 2026 | 18.25% | 18.25% | 19.51% | 11.31% | $348.0M |
| Q2 2026 | 18.32% | 18.32% | 19.58% | 11.58% | $359.9M |
Rayne State Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne State Bank & Trust Company, freeSource: Call Report Schedule RC-R, 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 State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16075) · FFIEC NIC profile (RSSD 900034)