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220 Fifth Street
Rawlins, WY 82301

The Rawlins National Bank is headquartered in Rawlins and is the 17st largest bank in the state of Wyoming. It is also the 3,671st largest bank in the nation. It was established in 1898 and as of March of 2014, it had grown to 50 employees at 5 locations. The Rawlins National Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 The Rawlins National Bank had $612,000 in non-current loans and owned real-estate with $15.55 million in equity and loan loss allowances on hand to cover it. This gives The Rawlins National Bank a Texas Ratio of 3.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Rawlins National Bank decreased dramatically from 20.67% as of March 31, 2013 to 3.94% as of March 31, 2014, resulting in a positive change of 80.95%.This indicates that the balance sheet and financial strength for The Rawlins National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The Rawlins National Bank has increased its total deposits by $731,000, resulting in 0.55% 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 The Rawlins National Bank has shown is above average.



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. The Rawlins National Bank has $153.01 million in assets with $15.55 million in equity, resulting in a capitalization level of 10.16%, which is above average.

Institution Statistics

FDIC Certificate #2228
Year Established1898
Primary RegulatorOCC
Assets and Liabilities
Assets$153.01 million
Loans$58.74 million
Deposits$133.94 million
Equity Capital$14.38 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$474,000
Real Estate Owned$138,000
Historic Data - March 2013
Assets$151.59 million
Equity Capital$14.32 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$474,000
Real Estate Owned$2.33 million
Profit Margin - Quarterly
Net Interest Margin2.92%
Return on Assets-0.13%
Return on Equity-1.45%
Interest Income$1.11 million

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The Rawlins National Bank Savings Account Rates

0.50%--Looney Tunes Savings Account
0.20%--Sweep Repurchase Account
0.15%$500-Health Savings Account
0.06%--Statement Savings Account

The Rawlins National Bank Money Market Rates

0.15%$100k-Money Market Account

The Rawlins National Bank Checking Account Rates

0.03%--NOW Checking Account

The Rawlins National Bank CD Rates

0.75%$10k-5 Year CD
0.55%$10k-2.5 Year CD
0.50%$10k-2 Year CD
0.45%$10k-5 Year (Add-on) CD
0.40%$10k-1.5 Year CD
0.30%$10k-1 Year CD
0.20%$10k-6 Month CD
0.20%$10k-2 Year (Add-on) CD
0.15%$10k-3 Month CD
0.15%$10k-1 Year (Add-on) CD

The Rawlins National Bank IRA Rates

1.01%--3 Year Fixed IRA
0.50%--2 Year Fixed IRA
0.25%--2 Year Variable IRA
0.20%--1 Year Fixed IRA
0.05%--1 Year Variable IRA

The Rawlins National Bank Locations
Rawlins National Bank - Longmont Branch2001 North Main StreetLongmont, CO 80501
South First Street Branch209 South First StreetSaratoga, WY 82331
The Rawlins National Bank220 Fifth StreetRawlins, WY 82301
403 S Adams St Branch403 Adams StHanna, WY 82327
East Branch600 North Higley BlvdRawlins, WY 82301