LA lenders / Community Bank
Rayne State Bank & Trust Company
Community Bank · Rayne, LA · Financial Corp Of Louisiana
- Total assets
- $573.8M
- CRE loan book
- $163.9M
- QoQ CRE growth
- 4.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.50% as of Q1 2026 — TX bank median 4.87% (1.64pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.50% | 6.71% |
| Q4 2025 | 6.54% | 6.97% |
| Q3 2025 | 7.10% | 7.22% |
| Q2 2025 | 6.86% | 7.09% |
| Q1 2025 | 6.39% | 6.86% |
| Q4 2024 | 6.37% | 6.95% |
| Q3 2024 | 6.72% | 6.93% |
| Q2 2024 | 6.40% | 6.76% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $163.9M | $39.0M | $8.6M | 127% | $1.3M |
| Q4 2025 | $156.8M | $41.6M | $6.2M | 130% | $1.3M |
| Q3 2025 | $158.8M | $40.7M | $6.2M | 126% | $812,000 |
| Q2 2025 | $168.4M | $48.5M | $4.3M | 141% | $0 |
| Q1 2025 | $159.3M | $47.0M | $4.4M | 139% | $0 |
| Q4 2024 | $161.2M | $44.6M | $4.8M | 142% | $0 |
| Q3 2024 | $163.5M | $47.9M | $4.9M | 149% | $0 |
| Q2 2024 | $170.3M | $51.8M | $5.1M | 127% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Century Bank and TrustCommunity Bank · Milledgeville · $163.4M CRE book
- BankOrionCommunity Bank · Orion · $163.3M CRE book
- Peoples State BankCommunity Bank · Prairie Du Chien · $164.7M CRE book
- First State BankCommunity Bank · Athens · $165.6M CRE book
- Goldwater Bank, N.A.Community Bank · Phoenix · $166.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.