🏦Bank Scorer

RAYNE STATE BANK & TRUST COMPANY

RAYNE, LA · Supervised by FDIC

Est. 1943FDIC #16,075RSSD: FDIC-16075
Part ofFINANCIAL CORP OF LOUISIANA→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.93%

Institution Profile

FDIC BankFind

Address

200 S Adams Ave, RAYNE, LA

County

Acadia County

Established

July 1, 1943

Total Assets

$574M(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, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$574M

Total Deposits

$517M

Net Loans

$337M

Net Income

$3M

ROA

1.93%

ROE

20.95%

Risk-Based Capital

19.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate7.84%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$487M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410287.25%7.84%
20239490.43%3.19%
202212091.67%4.17%
202113791.24%5.84%
202012893.75%4.69%
201912793.7%3.15%
201814593.79%1.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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