BlastPoint's Banking Scorecard

RNB STATE BANK

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

Rawlins, WY

5 branches across WY · CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
Deposits +8.0% year over year ($276.5M on the books).
Delinquency rate 0.09%.
Return on assets 0.31%.
Efficiency ratio 93.17% vs a 64.48% peer average.
Loan-to-deposit ratio 57.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 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

+ Credit Quality Leader: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.3% in tier
- Return on Assets 1.01% below tier average
- Net Interest Margin 0.10% below tier average

Get updates when RNB STATE BANK releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$296.2M +9.2% YoY +3.3% QoQ	-$90.4M	$386.6M +1.2% YoY	$450.2M +6.6% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$159.2M +9.5% YoY +8.6% QoQ	-$99.1M	$258.3M +1.7% YoY	$256.9M +8.1% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$276.5M +8.0% YoY +3.4% QoQ	-$50.2M	$326.7M +0.7% YoY	$395.8M +5.2% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	0.31% -50.5% YoY -49.5% QoQ	-1.01%	1.32% +10.8% YoY	1.35% +50.4% YoY	1.30% +12.1% YoY	Bottom 7.6% in tier
Net Interest Margin ?	3.89% +3.3% YoY +1.8% QoQ	-0.10%	3.99% +5.0% YoY	3.97% +6.9% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	93.17% +13.2% YoY +12.1% QoQ	+28.69%	64.48% -3.2% YoY	70.09% -6.6% YoY	70.05% +2.5% YoY	Bottom 3.9% in tier
Delinquency Rate ?	0.09% -7.4% YoY -10.4% QoQ	-0.83%	0.92% +15.7% YoY	0.54% -5.2% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	57.57% +1.3% YoY +5.1% QoQ	-20.38%	77.95% +1.0% YoY	246.53% +252.1% YoY	79.03% +2.3% YoY	Top 14.7% in tier
Non-Interest-Bearing Deposit Share ?	20.15% -3.5% YoY -9.4% QoQ	-1.88%	22.03% -0.6% YoY	24.71% -0.8% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	0.05% -7.2% YoY -5.8% QoQ	-0.62%	0.67% +16.4% YoY	0.41% +17.6% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	14.63% -0.0% YoY -0.9% QoQ	-1.28%	15.91% +1.4% YoY	20.04% +15.3% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.13% +3.5% YoY +111.2% QoQ	-0.43%	0.57% +7.6% YoY	0.52% +37.3% YoY	0.66% +5.2% YoY	29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Noninterest-Bearing	20.2% -0.7pp YoY -2.1pp QoQ	-2.0pp	22.1%	24.7%	22.2%	46%
Brokered Deposits	0.0% -0.1pp QoQ	-7.8pp	7.9%	12.5%	8.5%	5%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
C&I	4.9% -1.7pp YoY -1.1pp QoQ	-6.7pp	11.6%	16.1%	12.5%	19%
CRE	51.4% -1.9pp YoY +1.5pp QoQ	+11.8pp	39.5%	45.3%	41.4%	72%
1-4 Family	35.4% +6.8pp YoY +1.2pp QoQ	+2.8pp	32.6%	25.2%	31.3%	62%
Consumer	1.9% -0.4pp YoY -0.2pp QoQ	-2.2pp	4.1%	4.1%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
CET1 Ratio	14.6% 0.0pp YoY -0.1pp QoQ	-4.2pp	18.8%	25.5%	19.7%	46%
Leverage Ratio	8.6% 0.0pp YoY -0.1pp QoQ	-3.5pp	12.2%	11.6%	12.6%	8%
Total Capital Ratio	15.9% 0.0pp YoY -0.1pp QoQ	-4.1pp	19.9%	26.6%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Full-Time Employees	57 +6 (+11.8%) YoY +2 (+3.6%) QoQ	-2	58	57	482	60%
Assets per Employee ($)	$5.2M -2.3% YoY -0.4% QoQ	-$2.3M	$7.5M	$8.7M	$8.8M	17%
Branch Count	5 0 YoY 0 QoQ	0	4	4	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.6%	1.0%	17%
Allowance Coverage	15.15x -2.3% YoY +2.2% QoQ	-9.01x	24.15x	18.30x	20.23x	86%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
ROE	4.8% -7.2pp YoY -4.6pp QoQ	-7.4pp	12.2%	9.7%	11.6%	13%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	30%
Net Income ($, YTD)	$447,000 -46.3% YoY — QoQ	-$2.1M	$2.6M	$3.2M	$40.4M	10%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Leader

growth

#48 of 659 • Top 7.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Efficiency Drag

risk

#96 of 361 • Bottom 26.3% in tier

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

Why this signature

Efficiency Ratio: 93.17%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

389

Loan-to-Deposit Ratio

liquidity

Value: 57.57%

Peer Median: 77.95%

#389 of 2643 Top 14.7% in $100M-$1B

562

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#562 of 2643 Top 21.2% in $100M-$1B

653

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.92%

#653 of 2633 Top 24.8% in $100M-$1B

Top Weaknesses (2 metrics)

2540

Efficiency Ratio

profitability

Value: 93.17%

Peer Median: 64.48%

#2540 of 2643 Bottom 3.9% in $100M-$1B

2443

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.32%

#2443 of 2643 Bottom 7.6% in $100M-$1B