Rayne State Bank & Trust Company
Rayne, LA
IDRSSD: 900034
Total Assets
$541.19M
Latest filing
Total Deposits
$484.99M
Latest filing
Net Interest Margin
4.35%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
065204443RAYNE, LA
Key People
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Locations
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Main Office
Rayne State Bank & Trust Company
200 S Adams Ave
Rayne, LA 70578
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1943FDIC Certificate 10297
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Rayne State Bank & Trust Company (Main) | 200 S Adams Ave | Rayne, LA |
| UNIVERSITY BRANCH | 410 W University Ave | Lafayette, LA |
| RAYNE MOTOR BRANCH | 200 Gabriels Aly | Rayne, LA |
| KALISTE SALOOM BRANCH | 410 Kaliste Saloom Rd | Lafayette, LA |
| CARENCRO BRANCH | 4200 N University Ave | Carencro, LA |
| CHURCH POINT BRANCH | 741.5 South Main Street | Church Point, LA |
| GUILBEAU BRANCH | 503 Guilbeau Rd | Lafayette, LA |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1943 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 70578 |
| State and County Number | 22001 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Lafayette, LA |
Operational Info
| Number of Employees | 69 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1943 |
| Primary Insurance Agency | DIF |
| Website | www.bankonnet.bank |
| Data Updated | 01/30/2026 |
| CERT | 16075 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $541.19M |
| Total Deposits | $484.99M |
| Total Liabilities | $490.26M |
| Total Equity Capital | $50.93M |
| Net Income | $2.58M |
| Net Loans and Leases | $331.83M |
| Assets Per Employee ($Millions) | $7.41M |
| Bank Premises and Fixed Assets | $2.74M |
| Cash and Balances due from Depository Institutions | $55.49M |
| Deposits Held in Domestic Offices | $484.99M |
Key Performance Ratios
| Return on Assets (ROA) | 1.94% |
| Return on Equity (ROE) | 20.44% |
| Net Interest Margin | 4.35% |
| Efficiency Ratio | 53.1% |
| Tier 1 Risk-Based Capital Ratio | 17.889% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.411% |
| Earning Assets to total Assets | 95.89% |
Income and Expense
| Total Interest Income | $7.45M |
| Total Noninterest Income | $389.00k |
| Total Interest Expense | $1.91M |
| Total Noninterest Expense | $3.15M |
| Net Interest Income | $5.54M |
| Pre-tax Net Operating Income | $2.58M |
| Provision for Credit Losses | $200.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $567.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.11M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.70M |
| Total Liabilities and Capital | $541.19M |
Securities
| Securities | $133.48M |
| Available-for-sale debt securities | $133.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Rayne State Bank & Trust Company?
$541.19M as of the latest filing.
How much are Rayne State Bank & Trust Company's total deposits?
$484.99M in total deposits.
Where is Rayne State Bank & Trust Company located?
Rayne, LA.
What is the Net Interest Margin?
4.35%.
How many domestic offices does it operate?
7.
When was it established?
07/01/1943.
What is the Return on Assets (ROA)?
1.94%.
How much are total loans and leases?
$331.83M (latest filing).
What is the total interest income (latest filing)?
$7.45M.