Side-by-side · Q2 2026 data
Cottonport Bank vs Rayne State Bank & Trust Company
Metric by metric
| Measure | Cottonport Bank | Rayne State Bank & Trust Company |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 89 (stronger) | 66 |
| Loan quality | 67 | 85 (stronger) |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 58 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 84th | 75th |
| Total assets | $581.6M | $540.5M |
| Deposits / shares | $500.5M | $480.0M |
| Capital ratio | 13.94% (stronger) | 11.58% |
| Problem loans | 0.99% | 0.44% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.77% | 2.09% (stronger) |
| Loans ÷ deposits | 72.1% (stronger) | 72.6% |
| Uninsured deposits | 21.8% (stronger) | 41.4% |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Cottonport Bank has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Cottonport Bank leads on 4 and Rayne State Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.