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RNB STATE BANK

$100M-$1B Specialty: Commercial WY FDIC cert 2228

Rawlins, WY

5 branches across WY · CO

2664 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

RNB STATE BANK has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 31.9% in tier
  • - ROA 0.66% below tier average
  • - Net Interest Margin 0.11% below tier average
Get updates when RNB STATE BANK releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $286.9M
+6.9% YoY -0.0% QoQ
-$99.2M $386.1M
+0.5% YoY
$445.8M
+4.9% YoY
$6.2B
+9.1% YoY
44%
Total Loans ? $146.6M
+1.5% YoY -0.7% QoQ
-$109.1M $255.7M
+1.1% YoY
$250.1M
+8.7% YoY
$3.2B
+10.8% YoY
35%
Total Deposits ? $267.5M
+5.8% YoY +0.1% QoQ
-$60.4M $328.0M
+0.1% YoY
$397.2M
+4.6% YoY
$4.8B
+8.2% YoY
49%
Return on Assets ? 0.61%
+14.4% YoY +4.0% QoQ
-0.66% 1.27%
+12.9% YoY
1.18%
+46.8% YoY
1.23%
+13.4% YoY
17%
Net Interest Margin ? 3.82%
+4.1% YoY -0.5% QoQ
-0.11% 3.93%
+6.0% YoY
3.82%
+5.9% YoY
3.89%
+5.7% YoY
48%
Efficiency Ratio ? 83.15%
-1.6% YoY +3.0% QoQ
+17.86% 65.29%
-4.5% YoY
71.89%
-9.4% YoY
66.95%
-4.1% YoY
Bottom 12.0% in tier
Delinquency Rate ? 0.10%
-0.8% YoY -83.8% QoQ
-0.79% 0.89%
+18.8% YoY
0.47%
-19.3% YoY
0.95%
+18.8% YoY
74%
Loan-to-Deposit Ratio ? 54.79%
-4.0% YoY -0.8% QoQ
-21.84% 76.64%
+0.8% YoY
68.79%
+12.9% YoY
76.70%
+0.9% YoY
Top 13.4% in tier
Non-Interest-Bearing Deposit Share ? 22.24%
+3.1% YoY +4.4% QoQ
+0.22% 22.02%
-1.0% YoY
24.89%
+11.1% YoY
22.01%
-1.2% YoY
55%
Nonperforming Asset Ratio ? 0.05%
-5.8% YoY -83.9% QoQ
-0.59% 0.64%
+19.7% YoY
0.38%
+6.8% YoY
0.67%
+19.3% YoY
78%
Tier 1 Capital Ratio ? 14.77%
+1.4% YoY +1.6% QoQ
-1.06% 15.83%
+1.5% YoY
19.62%
+12.7% YoY
17.06%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.06%
+3.1% YoY -74.5% QoQ
-0.22% 0.28%
+9.3% YoY
0.21%
+17.8% YoY
0.32%
+4.1% YoY
29%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk
#133 of 414 • Bottom 31.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.15%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

358
Loan-to-Deposit Ratio
liquidity
Value: 54.79%
Peer Median: 76.64%
#358 of 2664 Top 13.4% in $100M-$1B
599
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.64%
#599 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (2 metrics)

2346
Efficiency Ratio
profitability
Value: 83.15%
Peer Median: 65.29%
#2346 of 2664 Bottom 12.0% in $100M-$1B
2224
Return on Assets
profitability
Value: 0.61%
Peer Median: 1.27%
#2224 of 2664 Bottom 16.6% in $100M-$1B
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