Rayne State Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rayne State Bank & Trust Company of Rayne, LA against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.21% | 1.25% | +0.96% | 87th top |
| ROAE | 23.23% | 13.21% | +10.02% | 91st top |
| Net Interest Margin | 4.54% | 3.95% | +0.59% | 75th top |
| Efficiency Ratio | 49.23% | 61.29% | -12.06% | 78th top |
| PPNR / Avg Assets | 2.26% | — | — | 81st top |
| Yield on Earning Assets | 5.99% | 5.68% | +0.31% | 71st above |
| Cost of Funds | 1.44% | 1.88% | -0.44% | 68th above |
| Net Interest Spread | 3.77% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.93% | -0.60% | 55th above |
| NPA / Total Assets | 0.21% | — | — | 55th above |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 94th top |
| ACL / Total Loans | 1.75% | — | — | 84th top |
| ACL / NPLs (Coverage) | 536.24% | — | — | 70th above |
| Texas Ratio | 2.05% | 7.37% | -5.32% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.16% | 17.08% | +1.08% | 67th above |
| Tier 1 Ratio | 18.16% | 17.11% | +1.05% | 67th above |
| Total Capital Ratio | 19.42% | — | — | 67th above |
| Leverage Ratio | 12.15% | 11.73% | +0.42% | 65th above |
| Equity / Assets | 9.33% | 10.97% | -1.64% | 36th below |
| TCE / Tangible Assets | 9.33% | — | — | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.50% | 80.71% | -7.21% | 56th above |
| Core Deposit Ratio | 92.23% | 86.89% | +5.34% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.91% | — | — | 60th above |
| Loan Growth (Y/Y) | 9.12% | — | — | 70th above |
| Deposit Growth (Y/Y) | 5.39% | — | — | 59th above |
See Rayne State Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rayne State Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Rayne State Bank & Trust Company profile, how to read a UBPR, or how this data updates.