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Rayne State Bank & Trust Company


Rayne State Bank & Trust Company is an FDIC insured institution headquartered at 200 S Adams Ave, Rayne, LA 70578.
It was founded in 1943 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - July 03, 2026

SAVINGS RATES APY MIN
SAV
0.10% $100 Compare
CD RATES APY MIN
12 Mo CD
1.25% $1,000 Compare
24 Mo CD
1.30% $1,000 Compare
36 Mo CD
1.60% $1,000 Compare
60 Mo CD
1.50% $1,000 Compare
MM RATES APY MIN
Money Market
0.10% $100 Compare
INT CHECKING RATES APY MIN
INTCK
0.10% $100




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16075
Date Established 1943
Assets $ 541.19 million
Loans $ 331.83 million
Deposits $ 484.99 million
Capital $ 50.93 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 55.49 million
Interest-bearing balances $ 50.55 million
Total securities $ 133.48 million
Federal funds sold and reverse repurchase $ 3.11 million
Net loans and leases $ 331.83 million
Loan loss allowance $ 6.24 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 14.77 million
     Total Assets $ 490.26 million

LIABILITIES
Total deposits $ 484.99 million
      Interest-bearing deposits $ 339.42 million
      Deposits held in domestic offices $ 484.99 million
      % insured (estimated)" 58.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.74 million
Subordinated debt N.A.
All other liabilities $ 4.08 millionn
      Total Liabilities $ 490.26 million
      Shareholders’ Equity $ 50.93 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 29.52 million
Total Interest Expense $ 7.77 million
Net interest income $ 21.75 million
Provision for loan and lease losses $ 0.37 million
Total non interest income $ 1.85 million
Total non interest expense $ 12.66 million
Pre-tax Net Operating Income $ 4.26 million

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