Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs Fifth District Savings Bank
Metric by metric
| Measure | Rayne State Bank & Trust Company | Fifth District Savings Bank |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 58 | 65 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 75th | 80th |
| Total assets | $540.5M | $531.8M |
| Deposits / shares | $480.0M | $414.8M |
| Capital ratio | 11.58% | 21.41% (stronger) |
| Problem loans | 0.44% | 0.09% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 0.33% |
| Loans ÷ deposits | 72.6% (stronger) | 94.8% |
| Uninsured deposits | 41.4% | 9.7% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 24.6% |
Fifth District Savings Bank has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Rayne State Bank & Trust Company leads on 2 and Fifth District Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.