Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs American Bank & Trust Company
Metric by metric
| Measure | Rayne State Bank & Trust Company | American Bank & Trust Company |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 66 | 67 (stronger) |
| Loan quality | 85 (stronger) | 84 |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 58 (stronger) | 49 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 75th | 64th |
| Total assets | $540.5M | $267.0M |
| Deposits / shares | $480.0M | $221.7M |
| Capital ratio | 11.58% | 11.71% (stronger) |
| Problem loans | 0.44% (stronger) | 0.47% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 2.09% (stronger) | 1.83% |
| Loans ÷ deposits | 72.6% (stronger) | 86.3% |
| Uninsured deposits | 41.4% | 37.0% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 0.8% |
Rayne State Bank & Trust Company has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Rayne State Bank & Trust Company leads on 4 and American Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.