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
Unfavorable gap of $9.8M · efficiency ratio beats 4% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.82% | 1.19% | 1.46% | Beats 6% | 88 / 94 | |
| Return on Equity | 3.79% | 7.85% | 11.84% | 14.03% | Beats 12% | 83 / 94 | |
| Net Interest Margin | 3.56% | 3.42% | 3.81% | 4.18% | Beats 31% | 65 / 94 | |
| Efficiency Ratio | 93.17% | 55.99% | 62.41% | 73.02% | Beats 4% | 91 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.19% | 0.47% | 1.14% | Beats 82% | 18 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 87% | 17 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 14.63% | 10.28% | 11.95% | 15.07% | Beats 70% | 28 / 94 | |
| Total Risk-Based Capital Ratio | 15.88% | 10.31% | 12.59% | 15.88% | Beats 74% | 24 / 94 | |
| Equity / Assets | 6.26% | 8.98% | 10.21% | 11.41% | Beats 3% | 91 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 58.36% | 72.62% | 84.44% | 94.55% | 9th pctl | 86 / 94 | |
| Loans / Assets | 54.48% | 62.50% | 72.84% | 78.99% | 10th pctl | 85 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |