Rayne State Bank & Trust Company: how it compares with its peers
Against 44 LA banks with half to twice its assets, Rayne State Bank & Trust Company's strongest measure in Q2 2026 is return on assets (2.09% vs. a 1.38% peer median). Its weakest relative measure is net interest margin (4.25% vs. 4.38%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.09% | 1.38% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.25% | 4.38% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.96% | 64.48% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.0M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.63% | 81.31% | Context |
What it means for lending operations
Its efficiency ratio of 51.96% is better than the 64.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Merchants & Farmers Bank & Trust Company Leesville, LA · $541M
- Fifth District Savings Bank New Orleans, LA · $532M
- Gulf Coast Bank Abbeville, LA · $514M
- Gibsland Bank & Trust Company Gibsland, LA · $574M
- Cottonport Bank Cottonport, LA · $582M
- Citizens Bank & Trust Company Plaquemine, LA · $481M
Questions about Rayne State Bank & Trust Company
How big is Rayne State Bank & Trust Company?
Rayne State Bank & Trust Company, established in 1943, is headquartered in Rayne, LA. It reported $541M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Rayne State Bank & Trust Company's return on assets?
2.09% annualized in Q2 2026, against a 1.38% median for 44 LA banks with half to twice its assets, ahead of 95% of them.
What is Rayne State Bank & Trust Company's efficiency ratio?
51.96% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 64.48%, and lower is better.
Is Rayne State Bank & Trust Company growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits shrank 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.