Rayne State Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.28 percentage points in Q2 2026 to 4.38%, the biggest move on this page. Within Louisiana, Rayne State Bank & Trust Company is 44th of 103 on net interest margin, 4.38% as of Q2 2026, above the middle of the field. Rayne State Bank & Trust Company reported 4.38% on net interest margin for Q2 2026, 0.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 7.06% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.32% | 1.03% | 4.09% | 6.16% | 3.00% |
| Q4 2023 | 5.58% | 0.98% | 4.26% | 6.42% | 3.14% |
| Q1 2024 | 5.60% | 1.20% | 4.19% | 6.57% | 2.97% |
| Q2 2024 | 5.80% | 1.28% | 4.30% | 6.72% | 3.00% |
| Q3 2024 | 5.91% | 1.39% | 4.27% | 6.91% | 2.92% |
| Q4 2024 | 5.88% | 1.36% | 4.27% | 6.99% | 2.99% |
| Q1 2025 | 5.82% | 1.34% | 4.23% | 6.90% | 3.20% |
| Q2 2025 | 5.96% | 1.35% | 4.36% | 7.08% | 3.24% |
| Q3 2025 | 6.02% | 1.46% | 4.52% | 7.19% | 3.24% |
| Q4 2025 | 5.73% | 1.44% | 4.27% | 7.05% | 3.27% |
| Q1 2026 | 5.55% | 1.42% | 4.10% | 6.82% | 3.29% |
| Q2 2026 | 5.82% | 1.43% | 4.38% | 7.06% | 3.40% |
Rayne State Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rayne State Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)