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Overview / Commentary
307-352-0485
200 Second Street
Rock Springs, WY 82901

RSNB Bank is headquartered in Rock Springs and is the 6th largest bank in the state of Wyoming. It is also the 1,797th largest bank in the nation. It was established in 1892 and as of March of 2014, it had grown to 55 employees at 2 locations. RSNB Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 RSNB Bank had $2.1 million in non-current loans and owned real-estate with $38.21 million in equity and loan loss allowances on hand to cover it. This gives RSNB Bank a Texas Ratio of 5.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for RSNB Bank experienced no significant changes from 4.89% as of March 31, 2013 to 5.48% as of March 31, 2014, resulting in a negative change of 12.03%. This indicates that the balance sheet and financial strength for RSNB Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, RSNB Bank has increased its total deposits by $13.78 million, resulting in 4.37% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth RSNB Bank has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. RSNB Bank has $367.35 million in assets with $38.21 million in equity, resulting in a capitalization level of 10.40%, which is above average.

Institution Statistics

Overall
FDIC Certificate #2229
Year Established1892
Employees55
Primary RegulatorFED
Assets and Liabilities
Assets$367.35 million
Loans$72.56 million
Deposits$328.75 million
Equity Capital$37.11 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$320,000
Historic Data - March 2013
Assets$356.95 million
Equity Capital$40.54 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$826,000
Profit Margin - Quarterly
Net Interest Margin2.95%
Return on Assets1.27%
Return on Equity12.79%
Interest Income$2.62 million
Rates

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Locations


RSNB Bank Locations
West Branch1987 Dewar DriveRock Springs, WY 82901
Rsnb Bank200 Second StreetRock Springs, WY 82901