Rayne State Bank & Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 23.6% in Q3 2026, from $39.6M to $49.0M. It was the largest change from Q2 2026 among the key lines here. Within Louisiana, Rayne State Bank & Trust Company is 66th of 103 on loan-to-deposit ratio, 73.92% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Rayne State Bank & Trust Company sits 7.45 points lower, at 73.50% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $176.1M |
| Fed funds sold and reverse repos | $3.0M |
| Fed funds sold and reverse repos to assets | 0.55% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 73.50% |
| Net loans and leases to deposits | 72.21% |
| Loans and leases to core deposits | 79.68% |
| Core deposits to total deposits | 92.23% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 77.75% | 95.23% | $0 | $664K |
| Q1 2024 | 76.77% | 95.55% | $0 | $651K |
| Q2 2024 | 79.65% | 94.72% | $0 | $637K |
| Q3 2024 | 77.81% | 93.32% | $0 | $5.6M |
| Q4 2024 | 74.01% | 91.92% | $0 | $609K |
| Q1 2025 | 72.89% | 92.68% | $0 | $595K |
| Q2 2025 | 72.02% | 93.23% | $0 | $580K |
| Q3 2025 | 70.98% | 93.07% | $0 | $574K |
| Q4 2025 | 69.71% | 93.25% | $0 | $567K |
| Q1 2026 | 66.39% | 92.82% | $0 | $0 |
| Q2 2026 | 73.92% | 92.97% | $0 | $0 |
| Q3 2026 | 73.50% | 92.23% | $0 | $0 |
Rayne State Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne State Bank & Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)