SBA lender · 7(a) program
Rayne State Bank & Trust Company
Rayne State Bank & Trust Company has approved 77 SBA loans worth $60.4M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#669
0.01% of all SBA dollars
Total approved
$60.4M
FY2010 onward
Loans
77
Median loan
$308,300
+71% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
6.8%
44 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Rayne State Bank & Trust Company’s numbers say
Rayne State Bank & Trust Company sits in the long tail of the SBA lending field, having approved 77 loans for a gross total of $60.4M since fiscal 2010. Its median loan of $308,300 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 6.8% were charged off, 0.7 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 3% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a book weighted toward established operators.
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Rayne State Bank & Trust Company
- How many SBA loans has Rayne State Bank & Trust Company approved?
- Rayne State Bank & Trust Company has approved 77 SBA loans totalling $60,449,900 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Rayne State Bank & Trust Company SBA loan size?
- The median gross approval is $308,300, with the middle 80% of loans falling between $50,000 and $1,931,000. The national median across all SBA lenders is $180,000.
- What interest rate does Rayne State Bank & Trust Company charge on SBA 7(a) loans?
- The median initial note rate on Rayne State Bank & Trust Company's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Rayne State Bank & Trust Company's SBA loan charge-off rate?
- 6.8% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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