Side-by-side · Q2 2026 data
Rayne State Bank & Trust Company vs JD Bank
Metric by metric
| Measure | Rayne State Bank & Trust Company | JD Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 66 | 69 (stronger) |
| Loan quality | 85 | 87 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 75th | 80th |
| Total assets | $540.5M | $1.3B |
| Deposits / shares | $480.0M | $1.1B |
| Capital ratio | 11.58% | 11.88% (stronger) |
| Problem loans | 0.44% | 0.40% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 2.09% (stronger) | 1.11% |
| Loans ÷ deposits | 72.6% | 68.8% (stronger) |
| Uninsured deposits | 41.4% | 25.0% (stronger) |
| Offices | 5 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
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 3 and JD Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.