RNB State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks RNB State Bank of Rawlins, WY against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.01% | 1.25% | -1.24% | 4th bottom |
| ROAE | 0.20% | 13.17% | -12.97% | 4th bottom |
| Net Interest Margin | 3.90% | 3.95% | -0.05% | 47th below |
| Efficiency Ratio | 101.63% | 61.50% | +40.13% | 2nd bottom |
| PPNR / Avg Assets | -0.10% | — | — | 2nd bottom |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 1.42% | 1.87% | -0.45% | 74th above |
| Net Interest Spread | 3.47% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.93% | -0.84% | 74th above |
| NPA / Total Assets | 0.05% | — | — | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.34% | — | — | 67th above |
| ACL / NPLs (Coverage) | 1514.69% | — | — | — |
| Texas Ratio | 0.69% | 6.06% | -5.37% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.63% | 17.18% | -2.55% | 46th below |
| Tier 1 Ratio | 14.63% | 17.21% | -2.58% | 45th below |
| Total Capital Ratio | 15.88% | — | — | 46th below |
| Leverage Ratio | 8.63% | 11.75% | -3.12% | 7th bottom |
| Equity / Assets | 6.26% | 10.98% | -4.72% | 3rd bottom |
| TCE / Tangible Assets | 6.26% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.36% | 80.44% | -22.08% | 85th top |
| Core Deposit Ratio | 90.93% | 86.95% | +3.98% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.23% | — | — | 80th top |
| Loan Growth (Y/Y) | 9.31% | — | — | 71st above |
| Deposit Growth (Y/Y) | 8.02% | — | — | 75th top |
See RNB State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock RNB State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full RNB State Bank profile, how to read a UBPR, or how this data updates.