The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 79).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Louisiana

Yes. Rayne State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #16075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.4% of deposits ($198.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.58% (benchmark: 10%).

Check how much of your own balance is covered

Rayne State Bank & Trust Company lists 5 offices in 4 cities. Most locations:

• Lafayette, LA (2)
• Carencro, LA (1)
• Church Point, LA (1)
• Rayne, LA (1)

All branch addresses and map

In 2025, Rayne State Bank & Trust Company reported 83 home-loan applications under HMDA (LEI 549300DISOL963J03Q15): 78 originated ($20,030,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Rayne State Bank & Trust Company

Type

State-chartered bank

FDIC certificate #

16075

RSSD ID

900034

Primary regulator

FDIC

Holding company

Financial Corp of Louisiana

Established

July 1, 1943

Headquarters

200 S Adams Ave, Rayne, LA 70578

Website

www.bankonnet.bank

Employees

69