Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs Gulf Coast Bank
Metric by metric
| Measure | Rayne State Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 66 | 97 (stronger) |
| Loan quality | 85 (stronger) | 79 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 58 | 90 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 75th | 90th |
| Total assets | $540.5M | $513.7M |
| Deposits / shares | $480.0M | $444.1M |
| Capital ratio | 11.58% | 14.75% (stronger) |
| Problem loans | 0.44% (stronger) | 0.63% |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 2.09% (stronger) | 1.25% |
| Loans ÷ deposits | 72.6% | 65.5% (stronger) |
| Uninsured deposits | 41.4% | 19.5% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 17.2% |
Gulf Coast 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 3 and Gulf Coast Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lafayette, LA
- Carencro, LA