Compared with Wyoming
1 of 3
compared fees are above the median.
2 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
45th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wyoming median
of 3 compared; 2 below, 0 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for RNB STATE BANK at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Wyoming median | Published fees above the Wyoming median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | RNB STATE BANK's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (45th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $55K in Q2 2026, 31% above the same quarter a year earlier ($42K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 3 compared published fees sit above the Wyoming median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Wyoming medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Wyoming, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 7.8% from Q3 2025 to Q2 2026, to $55K. Its share of revenue, 1.9%, is below the 2.1% median for banks with under $300M in assets.
$55K
RNB STATE BANKMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $10; we compare the midpoint.
RNB STATE BANK · $296M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| RNB STATE BANK(this institution) | Rawlins, WY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 22nd State Banking Company | Mobile, AL | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Crockett | Bells, TN | $299M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Franklin | Meadville, MS | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Caldwell Bank & Trust Company | Columbia, LA | $299M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Castle Rock Bank | Castle Rock, MN | $294M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens State Bank of Roseau | Roseau, MN | $291M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Collins State Bank | Collins, WI | $301M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank and Trust Company | Muscatine, IA | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DLP Bank | Starke, FL | $301M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank | Eatonton, GA | $290M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Federal Savings and Loan Association | Newark, OH | $294M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank Of Commerce | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grant County Bank | Ulysses, KS | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Leighton State Bank | Pella, IA | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| McClain Bank | Purcell, OK | $294M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank of North Dakota | New Salem, ND | $293M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SJN Bank of Kansas | Saint John, KS | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Johns Bank and Trust Company | Saint Louis, MO | $297M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank | Waterloo, IL | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Savings Bank | West Des Moines, IA | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Forest | Forest, MS | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Milaca | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Springdale, AR | $296M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United State Bank | Lewistown, MO | $290M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Washington Savings Bank | Lowell, MA | $302M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $7.25 among 15 publishing peers.
Its three checking prices are $2, $10 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for RNB STATE BANK (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $55K | +$4K | +7.8% |
| Q1 2026 | $51K | $0 | 0.0% |
| Q4 2025 | $51K | $0 | 0.0% |
| Q3 2025 | $51K | +$9K | +21.4% |
| Q2 2025 | $42K | +$2K | +5.0% |
| Q1 2025 | $40K | −$10K | −20.0% |
| Q4 2024 | $50K | +$4K | +8.7% |
| Q3 2024 | $46K | +$5K | +12.2% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, RNB STATE BANK left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to RNB STATE BANK by share.
Amounts from RNB STATE BANK’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Checking Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | waived for students and minors |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Normal insufficient funds fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Oct 23, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where RNB STATE BANK operates, and what regulators and customers have on file.
Branch footprint
5 offices in 2 states, $276.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $227.3M |
| 1 | $49.2M |
Boulder, CO
0.4% of bank deposits, #25 of 32, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 23.3% |
| Wells Fargo Bank, National Association | 17.1% |
| PNC Bank, National Association | 12.6% |
| U.S. Bank National Association | 5.7% |
| AMG National Trust Bank | 5.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Boulder, CO, RNB STATE BANK holds 0.4% of bank deposits, #25 of 32, with 1 office.
111 offices of 38 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 32 institutions shown. $11.6B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.4% share, 1 office, #25 of 32
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
25 offices of 6 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts