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Letter portraitLegal landscapeQuarterYTD

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 $3.1MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $240.1M31%Noninterest $108.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.14%, up 59 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.

Return on Assets (quarter, annualized)

1.14%+59 bps YoY

Net Interest Margin (quarter, annualized)

2.83%+18 bps YoY

Efficiency Ratio (quarter, annualized)

58.11%-1,753 bps YoY

Tier 1 Leverage Ratio

11.85%-19 bps YoY

NIM

3.52%Q2 ’243.71%Q2 ’253.78%Q2 ’26+17%+7%

Non-interest income vs. expense

1.89%Q2 ’242.35%Q2 ’251.92%Q2 ’26+39%-23%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.81%0.52%0.55%1.03%1.21%0.67%1.14%+59 bps
Return on Equity18.63%17.89%12.77%13.01%20.92%20.85%11.35%18.92%+592 bps
Net Interest Margin2.31%2.39%2.38%2.65%2.75%2.89%2.79%2.83%+18 bps
Efficiency Ratio70.08%66.63%80.21%75.63%64.71%58.49%76.16%58.11%-1,753 bps
Non-Interest Burden1.45%1.43%1.82%1.89%1.62%1.49%2.02%1.45%-44 bps
Growth
Asset Growth (YoY)-2.63%-7.53%-7.24%-1.37%-3.00%7.55%6.71%3.16%+453 bps
Loan Growth (YoY)-0.54%1.44%1.22%5.59%7.13%5.39%5.47%2.91%-268 bps
Deposit Growth (YoY)-3.58%-1.99%-4.69%2.91%0.60%6.99%6.43%0.12%-279 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.15%0.11%0.28%0.24%0.00%0.00%2.37%+208 bps
Net Charge-Offs / Loans-0.06%-0.01%0.05%-0.01%0.00%0.00%0.00%-0.01%0 bps
Allowance / Loans1.01%1.02%0.97%1.03%0.99%1.01%0.98%0.98%-5 bps
Allowance Coverage of NPLs3.6x6.9x8.6x3.6x4.2xn/an/a0.4x-3.2x
Capital
Tier 1 Leverage Ratio12.00%11.88%12.27%12.04%12.20%11.65%11.77%11.85%-19 bps
Total Risk-Based Capital12.00%11.88%12.27%12.04%12.20%11.65%11.77%11.85%-19 bps
Equity / Assets5.31%3.72%4.37%4.07%5.82%5.76%6.03%6.00%+193 bps
Liquidity & Funding
Loans / Deposits40.15%39.97%40.67%42.00%42.75%39.37%40.31%43.17%+117 bps
Liquid Assets / Assets0.30%1.13%0.33%0.29%0.12%0.12%0.13%0.06%-23 bps
CRE / Total Capitaln/an/an/an/a182.30%184.69%181.98%n/an/a