Rayne Building and Loan Association: how it compares with its peers
Against 10 LA banks with half to twice its assets, Rayne Building and Loan Association's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $5.1M peer median). Its weakest relative measure is return on assets (-1.32% vs. 1.03%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.32% | 1.03% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.58% | 4.01% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 106.32% | 70.43% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $5.1M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.66% | 92.18% | Context |
What it means for lending operations
Its efficiency ratio of 106.32% is above the 70.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Mer Rouge State Bank Mer Rouge, LA · $52M
- Mutual Savings and Loan Association Metairie, LA · $36M
- Jackson Parish Bank Jonesboro, LA · $67M
- Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville, LA · $68M
- Bank of Gueydan Gueydan, LA · $69M
- The Bank of Commerce White Castle, LA · $81M
Questions about Rayne Building and Loan Association
How big is Rayne Building and Loan Association?
Rayne Building and Loan Association, established in 1900, is headquartered in Rayne, LA. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Rayne Building and Loan Association's return on assets?
-1.32% annualized in Q2 2026, against a 1.03% median for 10 LA banks with half to twice its assets, ahead of 0% of them.
What is Rayne Building and Loan Association's efficiency ratio?
106.32% in Q2 2026: it spent about 106 cents in noninterest expense for each dollar of revenue. The peer median is 70.43%, and lower is better.
Is Rayne Building and Loan Association growing its loans?
Net loans shrank 6.5% over the year to Q2 2026, while deposits shrank 3.9%.
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.