Total Assets
$541M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Rayne State Bank & Trust Company — FDIC Bank Health Profile
Rayne, Louisiana · Est. 1943. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #16075 Dallas Region
B
Health grade
Good
Score: 77/100
Basel III capital ratios — Rayne State Bank & Trust Company
Total Deposits
$485M
Customer-funded liabilities
Net Loans
$332M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
17.89%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$51M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.01%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
23.15%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
53.63%
Income & Expense Breakdown
$30M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense
FDIC Deposit Insurance
Rayne State Bank & Trust Company is FDIC-insured (Certificate #16075). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $541M in total assets and $485M in customer deposits, with $332M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Rayne State Bank & Trust Company reports a Tier 1 Capital Ratio of 17.89% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $51M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.01% and a Return on Equity of 23.15%, with an Efficiency Ratio of 53.63% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (77/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Rayne State Bank & Trust Company is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Louisiana by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Rayne State Bank & Trust Company (FDIC Cert #16075) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Choudrant | $9.6B | C | 0.76% |
| b1BANK Baton Rouge | $8.2B | B | 1.23% |
| First Guaranty Bank Hammond | $4.1B | D | -1.33% |
| Gulf Coast Bank and Trust Company New Orleans | $3.6B | C | 1.15% |
| Home Bank, National Association Lafayette | $3.5B | B | 1.41% |
| Red River Bank Alexandria | $3.3B | B | 1.36% |
| Investar Bank, National Association Baton Rouge | $2.8B | C | 0.89% |
| Bonvenu Bank, National Association Bossier City | $1.6B | C | 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 B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Rayne State Bank & Trust Company? ▼
Rayne State Bank & Trust Company holds $541M in total assets and $485M in deposits. It is headquartered in Rayne, Louisiana.
Is my money safe at Rayne State Bank & Trust Company? ▼
Yes. Rayne State Bank & Trust Company is FDIC-insured (Certificate #16075). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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.
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.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.