BlastPoint's Banking Scorecard
Rayne Building and Loan Association
Micro
Specialty: Mortgage
LA
FDIC cert 30447
Designations: ✓ Community bank ✓ Mutual
Rayne, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Rayne Building and Loan Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.17% below tier
- - Efficiency Ratio 31.03% above tier
- - Non-Interest-Bearing Deposit Share 22.08% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.4M
+0.1% YoY
+0.4% QoQ
|
-$165.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$25.4M
-8.7% YoY
-4.5% QoQ
|
-$113.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$37.2M
-1.9% YoY
+0.5% QoQ
|
-$146.5M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.81%
+83.0% YoY
-35.6% QoQ
|
-0.27% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
2.68%
+3.3% YoY
-1.5% QoQ
|
-1.17% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
98.76%
+19.6% YoY
-2.7% QoQ
|
+31.03% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.76%
+43.8% YoY
-24.9% QoQ
|
+0.12% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
68.23%
-7.0% YoY
-5.0% QoQ
|
-6.30% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
0.31%
+25.5% YoY
+32.3% QoQ
|
-22.08% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+31.1% YoY
-28.5% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.77%
-14.6% YoY
+83.3% QoQ
|
+0.20% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
98.76%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.31%
(Tier avg: 22.39%, National avg: 21.79%)
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
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.23% · Tier avg: 74.53%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
9
9th pctile
Total Loans
Current: $25.4M · Tier avg: $139.2M
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
7
7th pctile
Total Assets
Current: $52.4M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $37.2M · Tier avg: $183.7M
5
5th pctile
Efficiency Ratio
Current: 98.76% · Tier avg: 67.73%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.31% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.31% · Tier avg: 22.39%
5
5th pctile
Efficiency Ratio
Current: 98.76% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $37.2M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $52.4M · Tier avg: $217.5M
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
9
9th pctile
Total Loans
Current: $25.4M · Tier avg: $139.2M
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.23% · Tier avg: 74.53%
35
35th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%