RNB State Bank
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Data as of · sourced from FFIEC call reports. How we update
RNB State Bank is an FDIC-insured commercial bank headquartered in Rawlins, WY, established in 1898 (FDIC certificate 2228), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $296.2M, up 9.2% from Q2 2025, the 13th largest of 24 banks headquartered in Wyoming. Its CET1 capital ratio was 14.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2228
- Headquarters
- Rawlins, WY
- Established
- 1898
- Total assets, Q2 2026
- $296.2M
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 14.63%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 102300297
- Holding company
- CARBON COUNTY HOLDING COMPANY
- Asset rank in state
- 13th of 24 in Wyoming
RNB State Bank spends more to run itself than most banks of its size. The Rawlins, Wyoming bank had $296 million in assets at June 30, 2026, up 9.2% from a year earlier. It earns about $0.01 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 102 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $9,000 was 98% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.1 million equal 28% of Tier 1 capital, down from 42% a year earlier. Where it has less room is capital: it funds 8.63% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, RNB State Bank reported a CET1 capital ratio of 14.63%, a return on assets of 0.01%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, RNB State Bank is the 13th largest of the 24 banks headquartered in Wyoming. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $296.2M, loans rose 8.5% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.9% of total loans, followed by non-owner-occupied commercial real estate loans at 27.2%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Rawlins 2 offices book 42% of its branch deposits. Judged on its Q2 2026 call report, RNB State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 220 5th St, Rawlins, WY 82301
- County
- Carbon
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $276.5M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $297.2M
- Average total loans
- $155.2M
- Average interest-bearing deposits
- $212.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2228
- Fed RSSD
- 548052
- Website
- https://www.rnbonline.com →
- Parent Holding Company
- CARBON COUNTY HOLDING COMPANY (RSSD 2043346)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
RNB State Bank's total assets moved between a low of $246.4M (Q3 2023) and a high of $296.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$296.2M total assets against $271.1M; $277.6M total liabilities against $257.0M.
$159.2M net loans and leases against $145.4M; $276.5M total deposits against $256.0M.
$101.4M securities against $100.7M; $22.6M cash and balances due against $13.7M.
$3.7M total interest income against $3.3M; $962K total interest expense against $885K.
$2.7M net interest income against $2.4M.
$216K total noninterest income against $187K; $3.0M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$9K net income against $478K.
0.01% return on assets against 0.68%; 3.90% net interest margin against 3.67%.
14.63% CET1 capital ratio against 14.64%; 8.63% tier 1 leverage ratio against 8.67%.
Inside the full RNB State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
RNB State Bank rankings
Its closest position to the top of a national ranking is 965 of 2,134, for CET1 ratio; its furthest is 3,554 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.37% (Q4 2024) to 0.88% (Q3 2025) and its net interest margin ran from 3.39% (Q3 2024) to 3.90% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.63% | 0.01% | 0.09% | 0.69% | 3.90% |
| Q1 2026 | 14.77% | 0.59% | 0.10% | 0.72% | 3.70% |
| Q4 2025 | 14.53% | 0.21% | 0.61% | 4.36% | 3.69% |
| Q3 2025 | 14.67% | 0.88% | 0.09% | 0.70% | 3.76% |
| Q2 2025 | 14.64% | 0.68% | 0.10% | 0.86% | 3.67% |
| Q1 2025 | 14.56% | 0.51% | 0.10% | 0.88% | 3.50% |
| Q4 2024 | 14.36% | -0.37% | 0.10% | 0.99% | 3.51% |
| Q3 2024 | 14.44% | 0.14% | 0.10% | 0.89% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| RNB State Bank (main office) | Rawlins , WY | 82301 | $112.9M |
| South First Street Branch | Saratoga , WY | 82331 | $88.2M |
| Front Range State Bank A Division of Rnb State Bank Branch | Longmont , CO | 80501 | $49.2M |
| 403 S Adams St Branch | Hanna , WY | 82327 | $24.0M |
| East Branch | Rawlins , WY | 82301 | $2.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 27, 1991 | Structure Change | Acquired Westland Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 26, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 18, 1991, OCC: Civil Money Penalty (CMP): The Rawlins National Bank
- Period: Most recent institution action September 18, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in WY, rank 28 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 18 loans originated, $5.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.7M approved, $857K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about RNB State Bank
What are RNB State Bank's total assets?
As of the Q2 2026 filing, RNB State Bank reported total assets of $296.2 million in its FFIEC call report.
Where is RNB State Bank headquartered?
It is headquartered in Rawlins, WY, United States.
When was RNB State Bank founded?
It was established in 1898, per the FDIC institution directory.
Is RNB State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates RNB State Bank?
RNB State Bank's primary federal regulator is the Federal Reserve.
What is RNB State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does RNB State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is RNB State Bank's Texas Ratio?
Its Texas Ratio is 0.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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