Side-by-side · Q2 2026 data
Merchants & Farmers Bank & Trust Company vs Rayne State Bank & Trust Company
Metric by metric
| Measure | Merchants & Farmers Bank & Trust Company | Rayne State Bank & Trust Company |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 62 | 66 (stronger) |
| Loan quality | 77 | 85 (stronger) |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 77 (stronger) | 58 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 43rd | 75th |
| Total assets | $541.4M | $540.5M |
| Deposits / shares | $486.0M | $480.0M |
| Capital ratio | 11.17% | 11.58% (stronger) |
| Problem loans | 0.70% | 0.44% (stronger) |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 0.92% | 2.09% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 72.6% |
| Uninsured deposits | 36.0% (stronger) | 41.4% |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 3.7% |
Rayne State Bank & Trust Company has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank & Trust Company leads on 2 and Rayne State Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.