Side-by-side · Q2 2026 data
The Evangeline Bank and Trust Company vs Rayne State Bank & Trust Company
Metric by metric
| Measure | The Evangeline Bank and Trust Company | Rayne State Bank & Trust Company |
|---|---|---|
| TellerScore | 77 | 79 (stronger) |
| Capital cushion | 92 (stronger) | 66 |
| Loan quality | 59 | 85 (stronger) |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 48 | 58 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 83rd | 75th |
| Total assets | $1.1B | $540.5M |
| Deposits / shares | $890.6M | $480.0M |
| Capital ratio | 14.22% (stronger) | 11.58% |
| Problem loans | 1.24% | 0.44% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.79% | 2.09% (stronger) |
| Loans ÷ deposits | 103.0% | 72.6% (stronger) |
| Uninsured deposits | 23.7% (stronger) | 41.4% |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | 3.7% |
Rayne State Bank & Trust Company has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Evangeline Bank and Trust Company leads on 2 and Rayne State Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.