RAYNE BUILDING AND LOAN ASSOCIATION

RAYNE, LA · Supervised by FDIC

Est. 1900FDIC #30,447RSSD: FDIC-30447

Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.24%

Is this bank safe?

RAYNE BUILDING AND LOAN ASSOCIATION holds a Satisfactory CRA rating (2024), shows financial metrics that merit closer review (ROA -2.24%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Website

www.raynebuildingloan.com

Address

200 N Adams Ave, RAYNE, LA

County

Acadia County

Established

January 1, 1900

Total Assets

$51M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$51M

Total Deposits

$37M

Net Loans

$25M

Net Income

$-291K

ROA

-2.24%

Below avg for Small banks. Peer avg: 0.44%

ROE

-8.02%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-2.24%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.94%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$38M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	64	67.19%	10.94%
2023	70	72.86%	10.00%
2022	97	67.01%	14.43%
2019	72	72.22%	16.67%
2018	72	81.94%	8.33%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2024	Satisfactory	Small Bank
Jun 2018	Satisfactory	Small Bank
Jun 2012	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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