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Rayne State Bank & Trust Company

Rayne, LA
IDRSSD: 900034
Total Assets
$525.01M
Latest filing
Total Deposits
$468.26M
Latest filing
Net Interest Margin
4.48%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/01/1943
Community BankYes
Ownership TypeNot Mutual
ZIP70578
State and County Number22001
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameLafayette, LA

Operational Info

Number of Employees72
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/01/1943
Primary Insurance AgencyDIF
Websitewww.bankonnet.bank
Data Updated11/14/2025
CERT16075
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$525.01M
Total Deposits$468.26M
Total Liabilities$475.00M
Total Equity Capital$50.01M
Net Income$3.02M
Net Loans and Leases$326.35M
Assets Per Employee ($Millions)$7.61M
Bank Premises and Fixed Assets$2.78M
Cash and Balances due from Depository Institutions$51.96M
Deposits Held in Domestic Offices$468.26M

Key Performance Ratios

Return on Assets (ROA)2.27%
Return on Equity (ROE)25.4%
Net Interest Margin4.48%
Efficiency Ratio50.86%
Tier 1 Risk-Based Capital Ratio18.34%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.05%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.525%
Earning Assets to total Assets95.33%

Income and Expense

Total Interest Income$7.55M
Total Noninterest Income$690.00k
Total Interest Expense$1.89M
Total Noninterest Expense$3.23M
Net Interest Income$5.66M
Pre-tax Net Operating Income$3.05M
Provision for Credit Losses$70.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$574.00k
Federal Funds Sold & Reverse Repurchase Agreement$3.13M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$6.17M
Total Liabilities and Capital$525.01M

Securities

Securities$126.20M
Available-for-sale debt securities$126.20M
Equity securities with readily determinable fair values not held for trading$0
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?
$525.01M as of the latest filing.
How much are Rayne State Bank & Trust Company's total deposits?
$468.26M in total deposits.
Where is Rayne State Bank & Trust Company located?
Rayne, LA.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
7.
When was it established?
07/01/1943.
What is the Return on Assets (ROA)?
2.27%.
How much are total loans and leases?
$326.35M (latest filing).
What is the total interest income (latest filing)?
$7.55M.