BlastPoint's Banking Scorecard
RSNB Bank
Rock Springs, WY
2 branches across WY
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 +0.1% year over year ($348.7M on the books).
- Delinquency rate 2.39%.
- Return on assets 1.15%.
- Efficiency ratio 67.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 42.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
RSNB Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.47% above tier average
- - ROA 0.17% below tier average
- - Net Interest Margin 0.74% below tier average
- - Efficiency Ratio 2.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.0M
+3.2% YoY
-2.2% QoQ
|
-$5.6M |
$386.6M
+1.2% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$149.1M
+3.0% YoY
+2.6% QoQ
|
-$109.3M |
$258.3M
+1.7% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$348.7M
+0.1% YoY
-4.2% QoQ
|
+$22.0M |
$326.7M
+0.7% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.15%
+70.0% YoY
+35.1% QoQ
|
-0.17% |
1.32%
+10.8% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.25%
+8.8% YoY
+1.0% QoQ
|
-0.74% |
3.99%
+5.0% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
67.13%
-13.7% YoY
-11.9% QoQ
|
+2.65% |
64.48%
-3.2% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
2.39%
+733.6% YoY
|
+1.47% |
0.92%
+15.7% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.5% in tier |
| Loan-to-Deposit Ratio ? |
42.75%
+2.8% YoY
+7.1% QoQ
|
-35.20% |
77.95%
+1.0% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
Top 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.14%
+1.4% YoY
+2.3% QoQ
|
+9.11% |
22.03%
-0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.93%
+732.0% YoY
|
+0.27% |
0.67%
+16.4% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.85%
-1.6% YoY
+0.6% QoQ
|
-4.06% |
15.91%
+1.4% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.25%
-1.7% YoY
+105.1% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
31.1%
+0.4pp YoY +0.7pp QoQ |
+9.0pp | 22.1% | 24.7% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 7.9% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.0%
+0.7pp YoY +0.2pp QoQ |
+6.4pp | 11.6% | 16.1% | 12.5% | 84% |
| CRE |
60.3%
-1.1pp YoY -1.0pp QoQ |
+20.7pp | 39.5% | 45.3% | 41.4% | 84% |
| 1-4 Family |
18.4%
+1.4pp YoY +0.6pp QoQ |
-14.2pp | 32.6% | 25.2% | 31.3% | 27% |
| Consumer |
2.1%
-0.4pp YoY 0.0pp QoQ |
-2.0pp | 4.1% | 4.1% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 25.5% | 19.7% | n/a |
| Leverage Ratio |
11.8%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 12.2% | 11.6% | 12.6% | 63% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
-2 (-4.5%) YoY 0 QoQ |
-17 | 58 | 57 | 482 | 44% |
| Assets per Employee ($) |
$9.1M
+8.1% YoY -2.2% QoQ |
+$1.6M | $7.5M | $8.7M | $8.8M | 80% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.4%
+2.1pp YoY |
+1.5pp | 0.9% | 0.6% | 1.0% | 91% |
| Allowance Coverage |
0.41x
-88.6% YoY |
-23.74x | 24.15x | 18.30x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.4%
+2.7pp YoY +5.0pp QoQ |
+7.2pp | 12.2% | 9.7% | 11.6% | 87% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 13% |
| Net Income ($, YTD) |
$2.2M
+79.8% YoY — QoQ |
-$329K | $2.6M | $3.2M | $40.4M | 57% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.