Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs Currency Bank
Metric by metric
| Measure | Rayne State Bank & Trust Company | Currency Bank |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 66 | 84 (stronger) |
| Loan quality | 85 | 95 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 75th | 90th |
| Total assets | $540.5M | $248.5M |
| Deposits / shares | $480.0M | $203.2M |
| Capital ratio | 11.58% | 13.38% (stronger) |
| Problem loans | 0.44% | 0.14% (stronger) |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 2.09% (stronger) | 1.95% |
| Loans ÷ deposits | 72.6% (stronger) | 93.0% |
| Uninsured deposits | 41.4% | 30.3% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Currency Bank has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Rayne State Bank & Trust Company leads on 2 and Currency Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.