BlastPoint's Banking Scorecard
RSNB Bank
Micro
Specialty: Commercial
WY
FDIC cert 2229
Designations: ✓ Community bank
Rock Springs, WY
2498
banks in Micro tier nationally
16 in WY
View Micro leaderboard (WY) →
RSNB Bank shows strong momentum with 3 strengths and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 35.55% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$390.3M
+7.5% YoY
+7.3% QoQ
|
+$172.8M |
$217.5M
+2.3% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$142.7M
+5.4% YoY
-0.9% QoQ
|
+$3.5M |
$139.2M
+2.8% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$366.2M
+7.0% YoY
+7.6% QoQ
|
+$182.5M |
$183.7M
+1.8% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.05%
+7.5% YoY
+17.7% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.15%
+15.9% YoY
+2.3% QoQ
|
-0.70% |
3.85%
+6.6% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
69.18%
+0.8% YoY
-5.6% QoQ
|
+1.46% |
67.73%
-4.8% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
38.97%
-1.5% YoY
-7.9% QoQ
|
-35.55% |
74.53%
+0.5% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.59%
-3.3% YoY
+2.9% QoQ
|
+9.20% |
22.39%
-1.3% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
-14.5% YoY
+26.6% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
38.97%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.97% · Tier avg: 74.53%
92
92th pctile
Total Deposits
Current: $366.2M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $390.3M · Tier avg: $217.5M
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.59% · Tier avg: 22.39%
68
68th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
58
58th pctile
Total Loans
Current: $142.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
42
42th pctile
Efficiency Ratio
Current: 69.18% · Tier avg: 67.73%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
Top Weaknesses
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
42
42th pctile
Efficiency Ratio
Current: 69.18% · Tier avg: 67.73%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Loans
Current: $142.7M · Tier avg: $139.2M
68
68th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.59% · Tier avg: 22.39%
87
87th pctile
Total Assets
Current: $390.3M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $366.2M · Tier avg: $183.7M
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.97% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%