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RNB State Bank

Rawlins, WY · Cert 2228 · Carbon County Holding Co.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

RNB State Bank

Rawlins, WY · Cert 2228 · Carbon County Holding Co.

State charter, Fed member · FED · 5 branches

Q2 2026

$296.2MAssets
$161.4MLoans
$276.5MDeposits
$18.5MEquity
Loan mix
92%RE $130.8M6%C&I $8.8M2%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $220.8M20%Noninterest $55.7MQ2 2025Q2 2026

NIM

4.23%Q2 ’244.57%Q2 ’254.86%Q2 ’26+10%+6%

Non-interest income vs. expense

3.14%Q2 ’242.96%Q2 ’253.57%Q2 ’26-4%+22%

Market Position · Boulder, CO · 2026 SOD (annual) · 0.4% share · #25 of 32 inst. · $0.0B of $11.6B

51.7% Carbon
0.4% Boulder

Executive Summary

  • Earnings: ROA of 0.24%, down 25 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.09% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.63%, down 5 bps from a year ago.
  • Funding: loans stand at 58.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+21 bps YoY

Efficiency Ratio (YTD, annualized)

93.17%+1,088 bps YoY

Tier 1 Leverage Ratio

8.63%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.56%0.46%0.48%0.24%-25 bps
Return on Equity9.46%10.40%8.19%7.44%3.79%-567 bps
Net Interest Margin3.35%3.41%3.36%3.48%3.56%+21 bps
Efficiency Ratio82.29%80.95%80.73%83.15%93.17%+1,088 bps
Non-Interest Burden2.71%2.71%2.66%2.86%3.30%+59 bps
Growth
Asset Growth (YoY)7.12%10.80%9.50%6.93%9.23%+212 bps
Loan Growth (YoY)1.07%-1.75%0.44%1.52%9.31%+824 bps
Deposit Growth (YoY)6.98%10.62%7.73%5.80%8.02%+104 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.61%0.10%0.09%-1 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.48%1.46%1.45%1.46%1.34%-14 bps
Allowance Coverage of NPLs15.5x16.0x2.4x14.8x15.1x-0.4x
Capital
Tier 1 Leverage Ratio8.67%8.78%8.56%8.69%8.63%-5 bps
Total Risk-Based Capital15.89%15.92%15.78%16.02%15.88%-1 bps
Equity / Assets5.22%6.13%6.53%6.37%6.26%+104 bps
Liquidity & Funding
Loans / Deposits57.67%56.72%56.03%55.61%58.36%+69 bps
Liquid Assets / Assets0.55%0.45%0.55%1.21%0.25%-31 bps
CRE / Total Capitaln/a303%304%285%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

RNB State Bank

Rawlins, WY · Cert 2228 · Peer group: banks under $1B in assets operating regionally (n=94) · Carbon County Holding Co.

State charter, Fed member · FED · 5 branches

Q2 2026

$296.2MAssets
$161.4MLoans
$276.5MDeposits
$18.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 87% of banks under $1B in assets operating regionally (rank 17 of 94).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets operating regionally (rank 91 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.24%

Rank 88 of 94

Net Interest Margin

3.56%

Rank 65 of 94

Efficiency Ratio

93.17%

Rank 91 of 94

Equity / Assets

6.26%

Rank 91 of 94

Non-interest income vs. expense

$0.8M$10.6MINCOMEEXPENSE
Unfavorable gap of $9.8M · efficiency ratio beats 4% of banks under $1B in assets operating regionally
Bank 93.17%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.82%1.19%1.46%Beats 6%88 / 94
Return on Equity3.79%7.85%11.84%14.03%Beats 12%83 / 94
Net Interest Margin3.56%3.42%3.81%4.18%Beats 31%65 / 94
Efficiency Ratio93.17%55.99%62.41%73.02%Beats 4%91 / 94
Asset Quality
Nonperforming Loans / Loans0.09%0.19%0.47%1.14%Beats 82%18 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 87%17 / 94
Capital
Tier 1 Capital Ratio14.63%10.28%11.95%15.07%Beats 70%28 / 94
Total Risk-Based Capital Ratio15.88%10.31%12.59%15.88%Beats 74%24 / 94
Equity / Assets6.26%8.98%10.21%11.41%Beats 3%91 / 94
Liquidity & Funding
Loans / Deposits58.36%72.62%84.44%94.55%9th pctl86 / 94
Loans / Assets54.48%62.50%72.84%78.99%10th pctl85 / 94
Brokered Deposits / Depositsn/aNot reported for this institution