Is Rayne State Bank&Trust Co Safe?
Rayne State Bank&Trust Co has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (84/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.27% | 100/100 |
| Nonperforming Loan Ratio | 0.02% | 100/100 |
| Liquidity Ratio | 26.54% | 86/100 |
| Return on Assets | 1.59% | 84/100 |
| Total Assets | $0.5B | |
How does Rayne State Bank&Trust Co compare?
With a Bank Health Score of 95/100, Rayne State Bank&Trust Co sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Louisiana, where 93 FDIC-insured banks are headquartered, Rayne State Bank&Trust Co ranks above the state average of 63/100 (Grade C).
The bank's Tier 1 capital ratio of 19.27% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.02% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Rayne State Bank&Trust Co's Bank Health Score fell by 3.0 points to 95/100. Tier 1 capital strengthened by 0.19 percentage points to 19.27%. Quarter-over-quarter, the score fell by 3.0 points.
Rayne State Bank&Trust Co has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (84/100).