RSNB Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A current level of 7.1 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 32.8 percent and a “hot money” ratio of 14.7 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (53%), comm re (16%), comm loans (7%), home mtgs (6%), cash (2%), home eq lns (1%), consumer loans (1%), other (14%)
States with Branches:
WY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
RSNB Bancorp
Investment Rating
--
Address
200 Second Street
Rock Springs, WY 82901
Rock Springs, WY 82901
Phone Number
(307) 362-8801
Year Founded
1892
FDIC Number
Website
Largest Affiliates
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