RNB STATE BANK

RAWLINS, WY | Small | Est. Jan. 1, 1898, midnight | FDIC #2228 | RSSD #548052 | FED
Latest Report: 2025-12-31

RNB STATE BANK is asn small FDIC-insured commercial bank headquartered in RAWLINS, WY, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $287M and total deposits of $267M. Profitability stands at 0.21% ROA and 3.38% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 14.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 4.36%. FDIC Certificate #2228.

Assets

$287M

Deposits

$267M

Loans

$150M

Equity

$19M

Profitability

Return on Assets (ROA) 0.21%
Return on Equity (ROE) 3.38%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.37%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.36%
NPA Ratio 0.32%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 14.53%
Tier 1 Capital 14.53%
Total Capital Ratio 15.78%
Leverage Ratio 8.56%
Loan-to-Deposit 56.03%

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