# RSNB BANK
ROCK SPRINGS, WY · FDIC certificate 2229 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $381.0M | |
| Deposits | $348.7M | |
| Loans and leases | $150.5M | |
| Total equity | $22.9M | |
| Loans / deposits | 42.75% (p4 of band) | 82.04% |
| Liquid assets / assets | 54.51% (p95 of band) | |
| Uninsured deposits / deposits | 29.20% (p63 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.97% (p41 of band) | |
| FHLB advances / assets | 1.57% | |
| Tier 1 leverage | 11.85% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -112.45% (p1 of band) | -8.10% |
| AOCI / equity | -0.43% (p45 of band) | |
| ROA (annualized) | 1.15% (p42 of band) | 1.28% |
| Net interest margin | 3.25% (p17 of band) | 3.91% |
| Efficiency ratio | 67.13% (p67 of band) | |
| Noncurrent loans | 2.37% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 41.30% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 95.63% (p85 of band) | |
| Auto loans | $944,000 (0.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $645,000 (3% of equity) (p92 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 | capital falling | reserve under noncurrent |
| 2016-09 | 0 |  | charge-offs p90, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | deposits shrinking, assets shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | construction >100% equity, assets shrinking |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 | uninsured deposits leaving | assets shrinking |
| 2023-09 | 6 | capital falling, AOCI drag >20% of equity |  |
| 2023-12 | 4 |  | uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 2 |  | deposits shrinking, capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | noncurrent p90, reserve under noncurrent | construction >100% equity |

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

- 2026-01-26 [Rock Springs Native Takes The Helm At RSNB Bank - SweetwaterNOW](https://news.google.com/rss/articles/CBMihAFBVV95cUxPUnB1c2twU0ZhSVU0ZHc5S0hpZEpqLVlPZWdUOWN0RVFma2FlT21ib1RBblEyNy1xOXVfVU9RYi1pSXREMklNQjU3YVFaTHZUTVFzSmRuY21iRWd5TnYxZWoxQ3pqeHR2REFNNVZYbkFodHZOX1ZIRHZaYUNJQ21VV1dMc1o?oc=5) · SweetwaterNOW
- 2025-12-31 [New Year, New Leadership: Costantino to lead RSNB Bank into its next chapter - WyomingNews.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPQkFSeWFuV25sRU1DX1JuV2VKNFZpTTh3WURkckdGVGQwcWFHMXBWeWxpUmJfVVpUcm1jLVJNUW55Z2U0Mzh4Nm1ZVURUb0NaUThKdEFmRHpfMjYzdC00dXIzam9VUFhZSUVoMHcyeWpiRUExc0kyTXVsVGJOV0FIX0NiWmZzdmdETms2MGNqcVh3SzdhcUNNMUtVT2wyQzdUMFBHLXVVNnVlXzZZeVVyTFlTVV9UcV80U3lzbGV1cWo0d3FfZHpLend2THc3RjBkVm9HaVVLN0RJbEhhdkRIcWlwaFdxeDRncnlDd1I5OHdkQjRKZzZn?oc=5) · WyomingNews.com
- 2019-05-22 [Rawlins National Bank changes name - WyomingNews.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQN3M4QVJ4RG91d0JKbnVFX2NROUpzUUlZVnFBdE1ZNjBtZmdQeWc1LUpvVEM2RHlKZm50V3VOWE0wcVkzb1VOR0pTNjJMREdZSmNTYmFCUUl1WGJzYk50d2VSMHZPV3duR2ZoU2Q2SHpqYjd3cDA4UlowSG5Nc2ZNTVlYdkg5dER4ZDUtQ3lJMjJONGQ4OWdVU2lDM2swWXJnM3RQazJfZ254MWJocjNTU0N1THdVN2xCZUQ2aGloQkVDY21temdLak1n?oc=5) · WyomingNews.com
- 2019-12-03 [RSNB Bank Donation Sponsors Santa at RS Historical Museum - SweetwaterNOW](https://news.google.com/rss/articles/CBMikgFBVV95cUxQX0NMR2w4ZFdwOENtVkE2V0lCTHdaeTRQSEdtUUFuTWpPU2h5T2tUcUk2S1E2ZzZHLTczY1JrR2JhQjlHN3FXeVdrbVp3WTVwMThPa1FyaTRadVFqOFJEYVEwYjI0UElHZ3RBZ2lieWdGR3NtMjMxVnViaV9RM3EtU3g2UXJGeE5GQnU5cXJnSWxKZw?oc=5) · SweetwaterNOW
- 2019-01-02 [View Brad Stassinos's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZmtxdlo0U2JyY2hBTVltMDROU24tMVdGOXZoLVpFUjMxUG9jNWRGOC1mcW4xM1VDLU5VSzdlRG02bTJQYVFNU18wX3BhdGxVZGx2bmFwYV9QWjhZY3pxOTJtX2VwS0gwX2ZSenFwa0RYU3dnLUJueEVDcWFtQWhxamVPTVhGaHlOdnQ1X0tRWGROR3d6R3RwLWt5OUlZdUtnaktpN3ln?oc=5) · legacy.com
- 2020-04-07 [Ben Hansen Recognized as Volunteer of the Month - SweetwaterNOW](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN01JNlZZWmdTVjVSMXdTZGxEWko3cllqRnFGWmpwSzhGcmg4MTV1WGtqcGhpbEd3dWVZTHYxMXNpWlROWUw3RjBEZ3lpQW5yNWZIX0VTWjhrTExENkNtSVFWQ0pVZkRBaWxUd1VTYlhNQWdHUkVNZ3B0dUxwUHJmV3JiUnU?oc=5) · SweetwaterNOW
- 2017-11-03 [RSNB Bank Diaper Drive Donates Over 16,502 Diapers - SweetwaterNOW](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcE1BZnJ4U293ZXpoQ05hQlZEZGNxQ3FQYkY5VFh2RGk1X3BsMmdPVGZGWEdTeVVCRHIwRlZpZWlrVzFpaVhoR2kyajhMdGVBeWZORll2N0J1cW9LQlpjN3JaOURKbS1feTE0NVh6U2o2eTJBZGtGeUwtZEJJOGRBVw?oc=5) · SweetwaterNOW
- 2024-08-19 [Stuff the Bus Wants to Thank You! - SweetwaterNOW](https://news.google.com/rss/articles/CBMicEFVX3lxTFBBcUg4UE1pRGVaTnM0WHV1TFZjSXFfS1FGVy1sUnNaTjR6cFEtMGplVEdLUVZjWkRJa1hTamdKSzZJRG05cjNLckdGeWF5QWFBc0p6eDZLMXg0X2xQQXVfckV0Zk41NnFvWk9La2V4Wmc?oc=5) · SweetwaterNOW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2229 (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/53.json (key "2229", 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