# RNB STATE BANK
RAWLINS, WY · FDIC certificate 2228 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $296.2M | |
| Deposits | $276.5M | |
| Loans and leases | $161.4M | |
| Total equity | $18.5M | |
| Loans / deposits | 57.57% (p27 of band) | 73.59% |
| Liquid assets / assets | 41.86% (p66 of band) | |
| Uninsured deposits / deposits | 25.35% (p69 of band) | 19.81% |
| Brokered deposits | 0.03% | |
| Wholesale funding | 0.03% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.63% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -70.14% (p3 of band) | -6.57% |
| AOCI / equity | -3.44% (p4 of band) | |
| ROA (annualized) | 0.31% (p13 of band) | 1.17% |
| Net interest margin | 3.89% (p48 of band) | 3.93% |
| Efficiency ratio | 93.17% (p92 of band) | |
| Noncurrent loans | 0.09% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1514.69% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 43.04% (p75 of band) | |
| Auto loans | $1.3M (0.80% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | capital falling, losing money |  |
| 2012-03 | 2 | expense ratio p90 | capital falling, losing money |
| 2012-06 | 2 | losing money | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | uninsured deposits leaving |  |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | losing money |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | expense ratio p90, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | securities losses >30% of equity |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | securities losses >30% of equity | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | securities losses >30% of equity |
| 2021-12 | 1 | securities losses >30% of equity |  |
| 2022-03 | 3 | AOCI drag >20% of equity, losing money |  |
| 2022-06 | 3 | capital falling | losing money |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-05-22 [Rawlins National Bank changes name - WyomingNews.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQN3M4QVJ4RG91d0JKbnVFX2NROUpzUUlZVnFBdE1ZNjBtZmdQeWc1LUpvVEM2RHlKZm50V3VOWE0wcVkzb1VOR0pTNjJMREdZSmNTYmFCUUl1WGJzYk50d2VSMHZPV3duR2ZoU2Q2SHpqYjd3cDA4UlowSG5Nc2ZNTVlYdkg5dER4ZDUtQ3lJMjJONGQ4OWdVU2lDM2swWXJnM3RQazJfZ254MWJocjNTU0N1THdVN2xCZUQ2aGloQkVDY21temdLak1n?oc=5) · WyomingNews.com
- 2019-08-03 [RNB State Bank recognizes Sabrina Hamby, AVP - WyomingNews.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQcEZIcUEzM3BmbnI5dDRoMEs0MjV6Ui1xT1lubVkySEEwV2JKQWo4S29CZVFRWEpENUNWYVhuTXJFbTZiWEZUSXNHTlk3dHBZRHZONWs2QW5LOGdfRUVQMXhBNVhWY0M1VVhlUGV5cmVucVl1eGl5UUlOMk5DY3R3STA3ZmNWZEZ4emdNb0c3MmQ2WDI4RzVlWklJYjNaX0Q3SUU4XzBaTE0tODltckw2WkMtY1lRWGtoWEZUREtMYmZKZkI3aW5PUnV2S05HVTdIWmo3T2RPekR3SU5uRHc?oc=5) · WyomingNews.com
- 2023-04-15 [Colton J. Garlington - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNX1BmdjhqRVJkUnUySEFDbVZoaTFJeFZLU1gySXdBek03cXlQeXJLRGpPYmE4dFlRcHB2dGhGX2c4UGpFUXhLa0ViS1I2aDlmekZIdVA4VWRPZDBZeTE3OVRWZU9sZVFzRGJObkxjTmQzQ1QzN0wtM25CQy1HTzBkM2Nad3RiWHhSbGtJX1plQUdfOFhoUWc?oc=5) · legacy.com
- 2026-02-20 [Former Saratoga/Platte Valley Chamber director arrested for alleged embezzlement - WyomingNews.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxOZ1VFVloxcjREUV9KSy1SbENUdjhFSDgzUTQ0dXRrcTE3alZ2eHF6WjlNdXp1V1duQldYX2lLMklOWHFFWTlOM2VVeENxdE40WmhCTW82LXVIWFRNb2wzeDM5WFowSno1QVlFOHhRSW9WUU9iRTFCQ0NBSl9ESVZXX3l5SkpLWEJGNXk1WFYzOFNqTDEwUTJ6V1psNjFXUmlJcGRJSHR6VkptY29tUVNCd1ZBWXdqcmRRTGJZS0NBQlhaR1J5b2lqUDRwNURBQ1lYajZSZDRfUGFZaGtBLVlWaEREU0ZIbkhNRGRyTEtST1hlTWNMeE5oSl9oNWJqWVY5QkFtRQ?oc=5) · WyomingNews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2228 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "2228", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide