Rayne State Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.53 percentage points higher than in Q1 2026, at 73.92%. Within Louisiana, Rayne State Bank & Trust Company is 66th of 103 on loan-to-deposit ratio, 73.92% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Rayne State Bank & Trust Company sits 6.91 points lower, at 73.92% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $354.8M |
| Net loans and leases | $348.6M |
| Loans held for sale | $0 |
| Loans to total assets | 65.64% |
| Loan-to-deposit ratio | 73.92% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.90% |
| Multifamily (5+ residential) | 2.33% |
| Commercial and industrial | 19.50% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 0.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.04% |
| Construction concentration (Tier 1 capital + allowance) | 50.26% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.06% |
| Interest income on loans | $6.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $335.6M | $444.5M | 33.96% | 18.99% | 0.74% |
| Q4 2023 | $342.9M | $441.1M | 34.27% | 19.62% | 0.98% |
| Q1 2024 | $341.5M | $444.8M | 33.37% | 21.00% | 1.00% |
| Q2 2024 | $347.7M | $436.6M | 32.60% | 20.74% | 1.21% |
| Q3 2024 | $343.9M | $442.0M | 32.18% | 20.25% | 1.13% |
| Q4 2024 | $339.6M | $458.9M | 32.94% | 20.66% | 0.94% |
| Q1 2025 | $341.8M | $468.9M | 31.57% | 21.37% | 0.93% |
| Q2 2025 | $350.5M | $486.6M | 32.96% | 21.34% | 0.99% |
| Q3 2025 | $332.4M | $468.3M | 33.68% | 19.05% | 1.15% |
| Q4 2025 | $338.1M | $485.0M | 32.25% | 20.50% | 1.17% |
| Q1 2026 | $343.2M | $516.9M | 33.90% | 19.83% | 1.08% |
| Q2 2026 | $354.8M | $480.0M | 34.90% | 19.50% | 1.01% |
Rayne State Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne State Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)