Rock Springs, WY · Cert 2229 · RSNB Bcorp
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 1.03% | 1.21% | 0.67% | 1.14% | +59 bps | |
| Return on Equity | 13.01% | 20.92% | 20.85% | 11.35% | 18.92% | +592 bps | |
| Net Interest Margin | 2.65% | 2.75% | 2.89% | 2.79% | 2.83% | +18 bps | |
| Efficiency Ratio | 75.63% | 64.71% | 58.49% | 76.16% | 58.11% | -1,753 bps | |
| Non-Interest Burden | 1.89% | 1.62% | 1.49% | 2.02% | 1.45% | -44 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 / Loans | 0.28% | 0.24% | 0.00% | 0.00% | 2.37% | +208 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.03% | 0.99% | 1.01% | 0.98% | 0.98% | -5 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.2x | n/a | n/a | 0.4x | -3.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.04% | 12.20% | 11.65% | 11.77% | 11.85% | -19 bps | |
| Total Risk-Based Capital | 12.04% | 12.20% | 11.65% | 11.77% | 11.85% | -19 bps | |
| Equity / Assets | 4.07% | 5.82% | 5.76% | 6.03% | 6.00% | +193 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.00% | 42.75% | 39.37% | 40.31% | 43.17% | +117 bps | |
| Liquid Assets / Assets | 0.29% | 0.12% | 0.12% | 0.13% | 0.06% | -23 bps | |
| CRE / Total Capital | n/a | 182.30% | 184.69% | 181.98% | n/a | n/a | |