RNB STATE BANK: how it compares with its peers
Against 11 WY banks with half to twice its assets, RNB STATE BANK's strongest measure in Q2 2026 is net interest margin (3.89% vs. a 4.15% peer median). Its weakest relative measure is efficiency ratio (93.17% vs. 63.10%).
| Measure | RNB STATE BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.31% | 1.41% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 4.15% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.17% | 63.10% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.8M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.57% | 61.33% | Context |
What it means for lending operations
Its efficiency ratio of 93.17% is above the 63.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sundance State Bank Sundance, WY · $291M
- Wyoming Community Bank Riverton, WY · $262M
- Tanager Bank Jackson, WY · $222M
- Bank of Commerce Rawlins, WY · $216M
- RSNB Bank Rock Springs, WY · $381M
- Buffalo Federal Bank Buffalo, WY · $203M
Questions about RNB STATE BANK
How big is RNB STATE BANK?
RNB STATE BANK, established in 1898, is headquartered in Rawlins, WY. It reported $296M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is RNB STATE BANK's return on assets?
0.31% annualized in Q2 2026, against a 1.41% median for 11 WY banks with half to twice its assets, ahead of 9% of them.
What is RNB STATE BANK's efficiency ratio?
93.17% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 63.10%, and lower is better.
Is RNB STATE BANK growing its loans?
Net loans grew 9.5% over the year to Q2 2026, while deposits grew 8.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wyoming bank ranked.