Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$51M
Total Deposits
$37M
Net Loans
$25M
Net Income
$-291K
ROA
-2.24%
Below avg for Small banks. Peer avg: 0.44%
ROE
-8.02%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 64 | 67.19% | 10.94% |
| 2023 | 70 | 72.86% | 10.00% |
| 2022 | 97 | 67.01% | 14.43% |
| 2019 | 72 | 72.22% | 16.67% |
| 2018 | 72 | 81.94% | 8.33% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Small Bank |
| Jun 2018 | Satisfactory | Small Bank |
| Jun 2012 | Satisfactory | Small Bank |
Exam dates and details are paywalled
Total Branches
1
Branch Deposits
$38M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/rayne-building-and-loan-association" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: