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RSNB Bank

Rock Springs, WY · Cert 2229 · RSNB Bcorp

State charter, Fed member · FED · 2 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 in a single state3

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 in a single state (n=743 to 746). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

43

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

RSNB Bank

Rock Springs, WY · Cert 2229 · RSNB Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

$381.0MAssets
$150.5MLoans
$348.7MDeposits
$22.9MEquity
Loan mix
80%RE $116.2M18%C&I $25.9M2%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $240.1M31%Noninterest $108.6MQ2 2025Q2 2026

NIM

3.55%Q2 ’243.59%Q2 ’253.77%Q2 ’26+10%+13%

Non-interest income vs. expense

1.91%Q2 ’242.31%Q2 ’252.21%Q2 ’26+30%-5%

Executive Summary

  • Earnings: ROA of 0.90%, up 37 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 2.37% of loans (+208 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.85%, down 19 bps from a year ago.
  • Funding: loans stand at 43.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+33 bps YoY

Efficiency Ratio (YTD, annualized)

67.13%-1,069 bps YoY

Tier 1 Leverage Ratio

11.85%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.70%0.83%0.67%0.90%+37 bps
Return on Equity13.13%15.59%17.39%11.35%15.23%+210 bps
Net Interest Margin2.50%2.60%2.60%2.79%2.83%+33 bps
Efficiency Ratio77.82%73.25%69.18%76.16%67.13%-1,069 bps
Non-Interest Burden1.84%1.78%1.66%2.02%1.75%-10 bps
Growth
Asset Growth (YoY)-1.37%-3.00%7.55%6.71%3.16%+453 bps
Loan Growth (YoY)5.59%7.13%5.39%5.47%2.91%-268 bps
Deposit Growth (YoY)2.91%0.60%6.99%6.43%0.12%-279 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.24%0.00%0.00%2.37%+208 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%-0.01%-2 bps
Allowance / Loans1.03%0.99%1.01%0.98%0.98%-5 bps
Allowance Coverage of NPLs3.6x4.2xn/an/a0.4x-3.2x
Capital
Tier 1 Leverage Ratio12.04%12.20%11.65%11.77%11.85%-19 bps
Total Risk-Based Capital12.04%12.20%11.65%11.77%11.85%-19 bps
Equity / Assets4.07%5.82%5.76%6.03%6.00%+193 bps
Liquidity & Funding
Loans / Deposits42.00%42.75%39.37%40.31%43.17%+117 bps
Liquid Assets / Assets0.29%0.12%0.12%0.13%0.06%-23 bps
CRE / Total Capitaln/a182.30%184.69%181.98%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

RSNB Bank

Rock Springs, WY · Cert 2229 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · RSNB Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

$381.0MAssets
$150.5MLoans
$348.7MDeposits
$22.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 727 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.92%

Rank 451 of 746

Net Interest Margin

2.83%

Rank 653 of 746

Efficiency Ratio

67.13%

Rank 423 of 746

Equity / Assets

6.00%

Rank 727 of 746

Non-interest income vs. expense

$1.9M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state
Bank 67.13%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.72%1.06%1.45%Beats 40%451 / 746
Return on Equity15.29%6.74%10.51%13.63%Beats 85%114 / 746
Net Interest Margin2.83%3.17%3.68%4.16%Beats 12%653 / 746
Efficiency Ratio67.13%55.74%64.58%75.47%Beats 43%423 / 746
Asset Quality
Nonperforming Loans / Loans2.37%0.09%0.42%1.07%Beats 9%677 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.85%11.55%13.75%17.60%Beats 30%523 / 746
Total Risk-Based Capital Ratio11.85%11.71%14.33%18.43%Beats 27%543 / 746
Equity / Assets6.00%8.90%10.51%13.06%Beats 3%727 / 746
Liquidity & Funding
Loans / Deposits43.17%61.31%78.27%90.78%7th pctl696 / 746
Loans / Assets39.51%53.60%66.97%76.08%9th pctl676 / 746
Brokered Deposits / Depositsn/aNot reported for this institution