GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
113
2010–2025
Total Volume
$82M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
113 total segments
Rayne State Bank & Trust Company has a strong focus on 504 loans, with 33% of their total SBA deals in this category, significantly above the national average of 18%. This makes them a good option for borrowers looking for real estate financing or expansion projects.
The bank's average 7(a) spread is P+2.43%, which is lower than the national median of P+2.75%. This indicates that borrowers may find more favorable loan terms here compared to many other lenders.
With a year-over-year decline of 17% in deal volume, Rayne State Bank & Trust Company may be tightening its lending criteria. Borrowers should be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 37 504 loans, which use fixed SBA debenture rates.
States where Rayne State Bank & Trust Company has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Mining & Oil/Gas
Mining & Oil/Gas
Real Estate
Real Estate
Other Health Practitioners
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Retail Trade
Retail Trade
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Rayne State Bank & Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Louisiana · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.75% | $140K | Q4 2021 |
| Louisiana · Physician & Dental Offices · $500K – $1M | 504 | 4 | — | $770K | Q2 2020 |
| Louisiana · Manufacturing · $350K – $500K | 7(a) | 3 | P+2.40% | $391K | Q4 2022 |
| Louisiana · Real Estate · $2M – $5M | 7(a) | 3 | P+2.25% | $3.2M | Q4 2021 |
| Louisiana · Manufacturing · $1M – $2M | 7(a) | 3 | P+2.40% | $1.5M | Q2 2024 |
| Louisiana · Physician & Dental Offices · $1M – $2M | 504 | 2 | — | $1.6M | Q2 2015 |
| Louisiana · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.75% | $105K | Q2 2018 |
| Louisiana · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.75% | $216K | Q2 2021 |
| Louisiana · Real Estate · $1M – $2M | 504 | 2 | — | $1.3M | Q4 2015 |
| Louisiana · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.50% | $77K | Q2 2021 |
| Louisiana · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+1.63% | $90K | Q2 2023 |
| Louisiana · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $325K | Q3 2022 |
| Louisiana · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+2.75% | $306K | Q1 2013 |
| Louisiana · Manufacturing · $350K – $500K | 504 | 2 | — | $401K | Q3 2021 |
| Louisiana · Mining & Oil/Gas · $150K – $350K | 7(a) | 2 | P+2.25% | $235K | Q3 2012 |
| Louisiana · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.63% | $261K | Q1 2017 |
| Louisiana · Physician & Dental Offices · $500K – $1M | 7(a) | 2 | P+2.63% | $809K | Q1 2017 |
| Louisiana · Mining & Oil/Gas · $500K – $1M | 7(a) | 2 | P+1.75% | $845K | Q1 2023 |
| Louisiana · Mining & Oil/Gas · $2M – $5M | 7(a) | 2 | P+2.75% | $5.0M | Q1 2014 |
| Louisiana · Manufacturing · Under $150K | 7(a) | 2 | P+2.50% | $74K | Q2 2015 |
| Louisiana · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $207K | Q4 2013 |
| Louisiana · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+2.75% | $796K | Q3 2020 |
| Louisiana · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.63% | $775K | Q3 2018 |
| Louisiana · Wholesale Trade · $1M – $2M | 7(a) | 1 | P+2.75% | $1.4M | Q1 2012 |
| Louisiana · Wholesale Trade · $2M – $5M | 7(a) | 1 | P+2.25% | $2.1M | Q3 2021 |
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