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
Unfavorable gap of $7.2M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 40% | 451 / 746 | |
| Return on Equity | 15.29% | 6.74% | 10.51% | 13.63% | Beats 85% | 114 / 746 | |
| Net Interest Margin | 2.83% | 3.17% | 3.68% | 4.16% | Beats 12% | 653 / 746 | |
| Efficiency Ratio | 67.13% | 55.74% | 64.58% | 75.47% | Beats 43% | 423 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.37% | 0.09% | 0.42% | 1.07% | Beats 9% | 677 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 11.55% | 13.75% | 17.60% | Beats 30% | 523 / 746 | |
| Total Risk-Based Capital Ratio | 11.85% | 11.71% | 14.33% | 18.43% | Beats 27% | 543 / 746 | |
| Equity / Assets | 6.00% | 8.90% | 10.51% | 13.06% | Beats 3% | 727 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 43.17% | 61.31% | 78.27% | 90.78% | 7th pctl | 696 / 746 | |
| Loans / Assets | 39.51% | 53.60% | 66.97% | 76.08% | 9th pctl | 676 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |