Side-by-side · Q2 2026 data
The Mer Rouge State Bank vs Rayne Building and Loan Association
Metric by metric
| Measure | The Mer Rouge State Bank | Rayne Building and Loan Association |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 66 (stronger) | 0 |
| Funding & liquidity | 85 | 90 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 63rd | 48th |
| Total assets | $51.8M | $50.8M |
| Deposits / shares | $45.0M | $36.1M |
| Capital ratio | 12.61% | 29.06% (stronger) |
| Problem loans | 0.55% (stronger) | 0.61% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.15% (stronger) | -1.32% |
| Loans ÷ deposits | 75.3% | 70.7% (stronger) |
| Uninsured deposits | 12.3% | 6.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
The Mer Rouge State Bank has the higher TellerScore (79 vs 73). On the 6 directional measures above (where higher or lower is clearly better), The Mer Rouge State Bank leads on 3 and Rayne Building and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.