RNB STATE BANK
Total assets
$296.2M
▲ +9.2% YoY
Deposits
$276.5M
▲ +8.0% YoY
Loans
$159.2M
▲ +9.5% YoY
Offices
5
CARBON COUNTY HOLDING CO
ROA (annualized)
0.31%
peers 1.24%
ROE (annualized)
4.83%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | RNB STATE BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.4% | +4.9 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 0.31% | 1.24% | -0.9 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1898
- Charter
- State
- Primary regulator
- FED
- Holding company
- CARBON COUNTY HOLDING CO
- Specialization
- Commercial Lending Specialization
- Address
- 220 5th St, Rawlins, WY, 82301
- County
- Carbon
- Offices
- 5
- FDIC cert #
- 2228
- RSSD ID
- 548052
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.2M | $276.5M | $159.2M | $18.5M | $447K | 0.31% | 3.89% | 0.05% |
| Q1 2026 | $286.9M | $267.5M | $146.6M | $18.3M | $438K | 0.61% | 3.82% | 0.05% |
| Q4 2025 | $286.9M | $267.2M | $147.6M | $18.7M | $1.6M | 0.59% | 3.84% | 0.32% |
| Q3 2025 | $282.1M | $263.7M | $147.4M | $17.3M | $1.5M | 0.72% | 3.82% | 0.05% |
| Q2 2025 | $271.1M | $256.0M | $145.4M | $14.2M | $832K | 0.62% | 3.76% | 0.05% |
| Q1 2025 | $268.3M | $252.9M | $144.4M | $14.4M | $354K | 0.53% | 3.67% | 0.05% |
| Q4 2024 | $262.0M | $248.1M | $146.9M | $13.0M | $147K | 0.06% | 3.54% | 0.06% |
| Q3 2024 | $254.6M | $238.4M | $150.0M | $15.2M | $402K | 0.21% | 3.46% | 0.06% |
Loan mix (Q2 2026): real estate $146.1M · commercial $7.8M · consumer $3.0M · securities $101.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | RNB STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 62.9% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | RNB STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | RNB STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | RNB STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | RNB STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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