Total Assets
$541M
Total balance-sheet footings
FDIC Cert #16075 · Rayne, Louisiana · Est. 1943
Rayne State Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Rayne State Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $541M
- Total assets
- A
- Health grade · Excellent
- 2.01%
- Return on assets
- 17.9%
- Tier 1 capital
Data updated July 2026
The verdict
Rayne State Bank & Trust Company earns a PlainBankData health grade of A (97/100), with well-capitalized at 17.89% Tier 1, profitable at 2.01% ROA, efficient (54% cost ratio).
- #1,700
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 17.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- 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.
How Rayne State Bank & Trust Company's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Rayne State Bank & Trust Company's composite health score
Tier 1 Capital Ratio (17.89%) 40/40
Return on Assets (ROA) (2.01%) 25/25
Texas Ratio (2.60%) 20/20
Efficiency Ratio (53.63%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$485M
Customer-funded liabilities
Net Loans
$332M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Rayne State Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rayne State Bank & Trust Company's score of 97/100 falls in the highlighted band.
Rayne State Bank & Trust Company'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 State Bank & Trust Company's $541M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.89%
Texas Ratio
2.60%
Equity Capital
$51M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.01%
Return on Equity (ROE)
23.15%
Efficiency Ratio
53.63%
What the numbers say about Rayne State Bank & Trust Company
Rayne State Bank & Trust Company is an FDIC-insured institution (Certificate #16075) headquartered in Rayne, Louisiana, established in 1943. It holds $541M in total assets - 1,700th of 4,313 FDIC-insured banks, $485M in customer deposits, and $332M in net loans. Looking at capital strength, Tier 1 stands at 17.89%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.60%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Louisiana, Rayne State Bank & Trust Company ranks 37th of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$30M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Rayne State Bank & Trust Company reports a Texas Ratio of 2.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rayne State Bank & Trust Company (FDIC Cert #16075) - 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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Rayne State Bank & Trust Company's health grade?▼
Rayne State Bank & Trust Company receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Rayne State Bank & Trust Company?▼
Rayne State Bank & Trust Company holds $541M in total assets and $485M in deposits, ranking 1,700th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rayne, Louisiana.
Is my money safe at Rayne State Bank & Trust Company?▼
Yes, deposits at Rayne State Bank & Trust Company (Certificate #16075) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Rayne State Bank & Trust Company's Tier 1 Capital Ratio?▼
Rayne State Bank & Trust Company has a Tier 1 Capital Ratio of 17.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Rayne State Bank & Trust Company?▼
Rayne State Bank & Trust Company has a Texas Ratio of 2.60%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Rayne State Bank & Trust Company?▼
Rayne State Bank & Trust Company has an Efficiency Ratio of 53.63%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Rayne State Bank & Trust Company's profile as a depositor or analyst.
- Rayne State Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Rayne State Bank & Trust Company against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.