RNB STATE BANK

Chartered Bank Active FDIC Insured
Health Score
7.2 / 10

220 5th St, Rawlins, WY 82301

Financial Overview

Total Assets $286.9M
Total Deposits $267.5M
Profitability (ROA) 0.61%
Shareholder Return (ROE) 9.47%
Capital Cushion (Eq/Assets) 6.37%
Established 01/01/1898

Financial Health Analysis

RNB STATE BANK is a currently active commercial lending specialization banking institution headquartered in Rawlins, Wyoming. Established in 01/01/1898, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, RNB STATE BANK manages $286.9M in total assets and holds $267.5M in customer deposits. When evaluating the stability of RNB STATE BANK, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 6.37%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.61%, while its Return on Equity (ROE) sits at 9.47%. These metrics result in a moderate health score of 7.2 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$53.5M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: https://www.rnbonline.com

FDIC Certificate #: 2228

Specialization: Commercial Lending Specialization

Location

220 5th St

Rawlins, Wyoming 82301

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