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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