FDIC Cert #30447 · Rayne, Louisiana · Est. 1900

Rayne Building and Loan Association - FDIC Bank Health Profile

A community-scale look at Rayne Building and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$52M
Total assets
B
Health grade · Good
0.81%
Return on assets
29.3%
Tier 1 capital

Data updated July 2026

The verdict

Rayne Building and Loan Association earns a PlainBankData health grade of B (74/100), with well-capitalized at 29.29% Tier 1, 0.81% ROA, 99% efficiency ratio.

#4,122
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
29.29%
Tier 1 ratio - above the 10% well-capitalized line
30th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30447 · LA B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2680/4307
  • PHOTO-FINISH Westmoreland Federal… · PA
  • TIER1-WELL 29.3% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-PAR 0.81% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Westmoreland Federal Savings and Loan Association, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Rayne Building and Loan Association

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100F&M Bank and Trust C… · MO ·…74/100First Federal Bank L… · TX ·…74/100Mercer Savings Bank · OH · n…74/100Rayne Building and L… · LA ·…74/100Westmoreland Federal… · PA ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Rayne Building and Loan Association · July 2026

What Rayne Building and Loan Association's Call Report plate shows

Rayne Building and Loan Association (FDIC Cert #30447) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,680 of 4,307. Tier 1 capital prints at 29.29%, clearing the 10% well-capitalized line. The Texas Ratio is 1.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.81%. Balance-sheet scale is $52M, 4,122nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Westmoreland Federal Savings and Loan Association (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Rayne Building and Loan Association

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Rayne Building and Loan Association's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Rayne Building and Loan Association remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Rayne Building and Loan Association's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Rayne Building and Loan Association's composite health score
Tier 1 Capital Ratio (29.29%) 40/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (1.29%) 20/20
Efficiency Ratio (98.76%) 0/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$52M

Total balance-sheet footings

Total Deposits

$37M

Customer-funded liabilities

Net Loans

$25M

Outstanding loan book

Net Income

$424K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 27.89% 29.29% 30.69%
Basel III capital ratios - Rayne Building and Loan Association

Where Rayne Building and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rayne Building and Loan Association's score of 74/100 falls in the highlighted band.

Rayne Building and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Rayne Building and Loan Association 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Rayne Building and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Rayne Building and Loan Association's $52M falls in the highlighted band.

Safety ratios for Rayne Building and Loan Association

Tier 1 capital ratio
Well-capitalized 10%

29.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
29.29%
Texas Ratio
1.29%
Equity Capital
$15M

What these ratios mean →

Profitability metrics: Rayne Building and Loan Association

Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
2.96%
Efficiency Ratio
98.76%

What these mean →

Income & expense at Rayne Building and Loan Association

$2M
Interest Income
$401K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Rayne Building and Loan Association reports a Texas Ratio of 1.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Rayne Building and Loan Association on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($52M here), outside Louisiana so the neighborhood is not state containment.

Farmers & Merchants Bank of Hutsonvil… $52M · IL United Minnesota Bank $52M · MN The Granger National Bank $52M · TX First State Bank $52M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rayne Building and Loan Association (FDIC Cert #30447) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Rayne Building and Loan Association Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%