Rayne State Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 7.53 percentage points in Q2 2026, from 66.39% to 73.92%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Rayne State Bank & Trust Company ranks 5th highest among the 103 banks headquartered in Louisiana, at 2.17% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Rayne State Bank & Trust Company reported 2.17% on return on assets in Q2 2026, 0.92 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.32% |
| Tier 1 risk-based capital ratio | 18.32% |
| Total risk-based capital ratio | 19.58% |
| Tier 1 leverage ratio | 11.58% |
| Equity capital to assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.57% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 415.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.17% |
| Return on equity | 23.06% |
| Net interest margin | 4.38% |
| Efficiency ratio | 49.82% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.92% |
| Core deposits to total deposits | 92.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.80% |
| Securities to assets | 24.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.08% | 19.08% | 20.33% | 13.18% | 1.54% |
| Q4 2023 | 18.53% | 18.53% | 19.78% | 12.86% | 1.57% |
| Q1 2024 | 18.94% | 18.94% | 20.19% | 13.19% | 1.73% |
| Q2 2024 | 19.27% | 19.27% | 20.52% | 13.41% | 1.35% |
| Q3 2024 | 15.74% | 15.74% | 17.00% | 10.83% | 1.68% |
| Q4 2024 | 15.88% | 15.88% | 17.14% | 10.63% | 1.76% |
| Q1 2025 | 16.37% | 16.37% | 17.62% | 10.84% | 1.80% |
| Q2 2025 | 16.69% | 16.69% | 17.95% | 10.93% | 1.91% |
| Q3 2025 | 18.34% | 18.34% | 19.60% | 11.35% | 2.23% |
| Q4 2025 | 17.89% | 17.89% | 19.15% | 11.08% | 1.86% |
| Q1 2026 | 18.25% | 18.25% | 19.51% | 11.31% | 1.92% |
| Q2 2026 | 18.32% | 18.32% | 19.58% | 11.58% | 2.17% |
Rayne State Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne State Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)