RNB State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 34.27 percentage points higher than in Q1 2026, at 213.02%. Within Wyoming, RNB State Bank is 16th of 23 on loan-to-deposit ratio, 58.36% as of Q2 2026. RNB State Bank reported 58.36% on loan-to-deposit ratio for Q2 2026, 22.20 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $161.4M |
| Net loans and leases | $159.2M |
| Loans held for sale | $165K |
| Loans to total assets | 54.48% |
| Loan-to-deposit ratio | 58.36% |
| Net loans to equity capital | 8.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.20% |
| Multifamily (5+ residential) | 4.52% |
| Commercial and industrial | 4.84% |
| Consumer | 1.84% |
| Credit cards | 0.00% |
| Farm | 4.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 213.02% |
| Construction concentration (Tier 1 capital + allowance) | 28.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $157.2M | $229.1M | 50.14% | 8.44% | 2.71% |
| Q4 2023 | $150.0M | $242.2M | 51.36% | 6.73% | 2.80% |
| Q1 2024 | $145.9M | $238.7M | 51.89% | 6.75% | 2.79% |
| Q2 2024 | $146.1M | $239.3M | 50.92% | 6.76% | 2.68% |
| Q3 2024 | $152.2M | $238.4M | 49.18% | 6.64% | 2.40% |
| Q4 2024 | $149.1M | $248.1M | 49.11% | 7.29% | 2.28% |
| Q1 2025 | $146.5M | $252.9M | 49.91% | 6.95% | 2.29% |
| Q2 2025 | $147.6M | $256.0M | 48.82% | 6.50% | 2.19% |
| Q3 2025 | $149.6M | $263.7M | 47.33% | 5.89% | 2.10% |
| Q4 2025 | $149.7M | $267.2M | 46.58% | 6.25% | 2.01% |
| Q1 2026 | $148.8M | $267.5M | 43.70% | 5.89% | 2.04% |
| Q2 2026 | $161.4M | $276.5M | 41.20% | 4.84% | 1.84% |
RNB State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock RNB State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full RNB State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2228) · FFIEC NIC profile (RSSD 548052)