BlastPoint's Banking Scorecard
Rayne State Bank & Trust Company
Community
Specialty: Commercial
LA
FDIC cert 16075
Rayne, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Rayne State Bank & Trust Company shows strong momentum with 1 strength and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 25% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$541.2M
+7.4% YoY
+3.1% QoQ
|
-$850.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$331.8M
-0.6% YoY
+1.7% QoQ
|
-$643.6M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$485.0M
+5.7% YoY
+3.6% QoQ
|
-$679.6M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
2.01%
+19.5% YoY
-1.5% QoQ
|
+0.84% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.35%
+2.1% YoY
-0.3% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
53.63%
-12.0% YoY
-0.3% QoQ
|
-9.01% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.45%
+49.8% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
68.42%
-5.9% YoY
-1.8% QoQ
|
-14.64% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
30.01%
-1.5% YoY
-0.7% QoQ
|
+8.97% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.27%
+47.8% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
17.89%
+12.6% YoY
-2.5% QoQ
|
+7.65% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.34%
+7.5% YoY
+22.8% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#95 of 371 · Top 25% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.01%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.16%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.89% · Tier avg: 10.24%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.01% · Tier avg: 21.05%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
82
82th pctile
Loan-to-Deposit Ratio
Current: 68.42% · Tier avg: 83.06%
76
76th pctile
Efficiency Ratio
Current: 53.63% · Tier avg: 62.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
11
11th pctile
Total Deposits
Current: $485.0M · Tier avg: $1.2B
7
7th pctile
Total Loans
Current: $331.8M · Tier avg: $975.5M
6
6th pctile
Total Assets
Current: $541.2M · Tier avg: $1.4B
Top Weaknesses
6
6th pctile
Total Assets
Current: $541.2M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $331.8M · Tier avg: $975.5M
11
11th pctile
Total Deposits
Current: $485.0M · Tier avg: $1.2B
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
76
76th pctile
Efficiency Ratio
Current: 53.63% · Tier avg: 62.63%
82
82th pctile
Loan-to-Deposit Ratio
Current: 68.42% · Tier avg: 83.06%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.01% · Tier avg: 21.05%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.89% · Tier avg: 10.24%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.16%