RNB State Bank and Front Range State Bank
RNB State Bank and Front Range State Bank is a privately held Wyoming-chartered community bank operating six branches across south-central Wyoming and Colorado's Front Range. Founded in 1899, it offers deposit accounts, consumer and commercial loans, SBA and agricultural financing, and Fiserv-powered digital banking to consumers, small businesses, and ranching operations.
- Company typePrivate
- Founded1899
- HeadquartersRawlins, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What RNB State Bank and Front Range State Bank does
RNB State Bank and Front Range State Bank is a privately held, state-chartered community bank originally chartered as The Rawlins National Bank on January 2, 1899, and re-chartered as a Wyoming state bank under the RNB State Bank name on July 1, 2019, with the Colorado branch operating under the Front Range State Bank brand (NMLS ID: 593649). The bank operates six locations across south-central Wyoming (Rawlins main, Rawlins East, Saratoga, Hanna) and Colorado's Front Range (a full-service branch in Longmont and a loan production office in Winter Park), serving individual consumers, small and medium-sized businesses, agricultural/ranching operations, and commercial real estate borrowers.
The product portfolio covers a standard community bank suite: consumer deposit products (Free Checking, Classic Checking, Heritage Club, Heroes Checking, Personal Savings, Money Market, CDs, IRAs, HSAs, Christmas/Vacation Club accounts) and lending products (conventional, FHA, VA, USDA, portfolio and construction mortgages; auto and recreational loans; home equity loans and HELOCs; CD/savings/stock-secured loans; debt consolidation). Commercial offerings include business checking (interest-bearing, non-interest-bearing, non-profit), business savings/MMDA, business CDs, commercial and industrial loans, commercial real estate loans, agricultural loans, SBA loans (including PPP), ACH origination, remote deposit capture, and merchant services for Visa/Mastercard/Discover/Amex. Digital channels consist of an SSL-encrypted online banking platform, Fiserv-powered mobile banking apps for personal and business customers (iOS/Android), online bill pay, 24-hour telephone banking, and an Ultimate ID Plus identity-protection add-on powered by IdentityForce (TransUnion).
Revenue is generated through a traditional community bank model: net interest income on real estate, commercial, agricultural, auto, and personal loans (APR-based and rate-sensitive), supplemented by transaction-based fee streams including overdraft/NSF charges ($28 per item plus $5 daily after 15 days), monthly account service charges ($2–$15 tiered by balance), debit card interchange, and miscellaneous deposit-related fees. Distribution is direct-to-consumer via the branch network and relationship-based local lending, supported by community sponsorships (over 100 local organizations), Facebook, and the corporate website; pricing is largely opaque and disclosed on request. The bank is locally owned and controlled by its board of directors with no parent company, private equity sponsor, or public listing, and is FDIC-insured and designated as an Equal Housing Lender.
RNB State Bank and Front Range State Bank firmographics
Firmographics- Name
- RNB State Bank and Front Range State Bank
- Legal name
- RNB State Bank and Front Range State Bank
- Website
- https://rnbonline.com
- Company type
- Private
- Founded year
- 1899
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- RNB State Bank and Front Range State Bank is a privately held Wyoming-chartered community bank operating six branches across south-central Wyoming and Colorado's Front Range. Founded in 1899, it offers deposit accounts, consumer and commercial loans, SBA and agricultural financing, and Fiserv-powered digital banking to consumers, small businesses, and ranching operations.
- Ownership category
- akta.pro rank
RNB State Bank and Front Range State Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where RNB State Bank and Front Range State Bank is headquartered
LocationHeadquarters
- HQ city
- Rawlins
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
RNB State Bank and Front Range State Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Primary revenue from interest earned on loans including real estate loans, commercial loans, agricultural loans, auto loans, and personal loans. Interest rates based on APR and may fluctuate.
- Overdraft and NSF Fees: Fee income from overdraft privilege service ($28.00 per item) and insufficient funds charges. Extended overdraft fees of $5.00 per day after 15 consecutive days.
- Account Service Charges: Monthly service charges on various account types including Classic Checking ($10), Business Checking Interest Bearing ($5), Non-Profit Checking ($2 if balance below $250), Business Money Market ($15 if below $1,000), Business Savings ($2 if below $100).
- Debit Card Interchange: Interchange revenue from Visa debit card transactions processed at merchants worldwide.
- Deposit Account Fees: Various deposit-related fees including HSA setup fees ($25 for non-customers), HSA Visa Debit Card application fee ($20), and transaction fees for excessive withdrawals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Small Business Checking (Non-Interest Bearing): $500 minimum to open, no monthly service charge, $0.15 per check/withdrawal/deposited item over 250. |
| Subscription | Monthly | Business Checking (Interest Bearing): $100 minimum to open, $5 monthly service charge, tiered transaction fees. |
| Freemium | Monthly | Free Personal Checking: No minimum balance, unlimited checks and withdrawals. |
| Subscription | Monthly | Classic Checking: $10 monthly service charge, interest on balances over $1,000, half-price money orders, cashier's checks and personal checks. |
| Subscription | Monthly | Personal Savings: $2 monthly fee if balance falls below $100 minimum. |
| Subscription | Annual | Business CDs: $500 minimum deposit, competitive rates, various terms, penalty for early withdrawal. |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Privilege: $28.00 per overdraft item, $5.00 daily fee after 15 consecutive days overdrawn. |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
RNB State Bank and Front Range State Bank product offering
Product offeringCore offering
RNB State Bank and Front Range State Bank operate as a dual-branded community bank offering personal and business deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, auto, home equity, construction, agricultural, SBA, commercial real estate, business loans), payment cards (Visa debit, partner-issued credit cards), and digital banking channels (online, mobile, telephone). The bank serves individuals, small businesses, agricultural operations, and commercial customers across south central Wyoming and Colorado's Front Range through six physical locations and digital channels.
Product overview
RNB State Bank and Front Range State Bank operates as a dual-branded community bank (chartered January 2, 1899 as The Rawlins National Bank; state-chartered as RNB State Bank effective July 1, 2019) offering a unified portfolio of deposit, lending, and digital banking products across Wyoming (Rawlins, Saratoga, Hanna) and Colorado (Longmont, Winter Park Loan Production Office). The product portfolio centers on personal and business checking/savings accounts (Free Checking, Classic Checking, Heritage Club Checking, Heroes Checking, Personal Savings, Money Market, IRA, HSA, CDs, Club accounts) and personal and commercial lending (auto, mortgage, home equity, construction, business, agricultural, SBA, commercial real estate, and other secured loans). Digital banking is delivered through Online Banking, Mobile Banking (Fiserv-powered), Business Online, Business Mobiliti, Online Bill Pay, and Telephone Banking, supplemented by merchant services, ACH origination, Remote Deposit Capture, and identity protection via Ultimate ID (IdentityForce/TransUnion). The bank operates under a single unified banking platform with specialized account tiers and add-on services rather than a modular SaaS architecture.
Differentiator
Problem solved
Functional benefit
Products and services
- Free Checking
- Classic Checking
- Heritage Club Checking
- Heroes Checking
- Personal Savings
- Peak Savings
- Money Market Savings
- Certificate of Deposit (Personal)
- Christmas Club Savings
- Vacation Club Savings
- Individual Retirement Account (IRA)
- Health Savings Account (HSA)
- Visa Debit Card
- Online Banking
- Online Bill Pay
- Mobile Banking
- Telephone Banking
- Direct Deposit
- Overdraft Protection
- Small Business Checking
- Business Checking (Interest Bearing)
- Non-Profit Checking
- Business Money Market
- Business Savings
- Business Certificates of Deposit
- Business Loans
- Agricultural Loans
- Small Business (SBA) Loans
- Real Estate Loans (Commercial)
- Commercial Loans
- Mortgage Loans
- Auto & Recreational Loans
- Home Equity Loans
- Home Equity Lines of Credit
- Residential Construction Loans
- Other Loans (Certificate/Savings Secured, Stock Secured)
- Debt Consolidation Loans
- Business Online Banking
- Business Mobiliti
- Business Merchant Services
- Business ACH Origination
- Remote Deposit Capture (RDC)
- Ultimate ID (Identity Protection)
Companies that use RNB State Bank and Front Range State Bank
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
RNB State Bank and Front Range State Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature3 records
RNB State Bank and Front Range State Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered supporting, core and key.
- Generations Gold, Inc.supportingThird-party benefits provider providing travel and discounted services on an exclusive basis to Benefits Plus members. RNB/Front Range State Bank assumes no liability for provider services.
- IdentityForce (TransUnion Brand)supportingProvider of Ultimate ID Plus identity theft protection services powered by IdentityForce, a TransUnion brand. Provides credit monitoring, fraud alerts, and identity restoration services.
- FiservcoreTechnology provider powering mobile banking platform. Provides card management, fraud detection services, and core banking infrastructure for mobile applications.
- Mastercard/Visa/Discover/American ExpresscoreCard networks enabling merchant services for businesses to process credit and debit card transactions.
- U.S. Small Business Administration (SBA)keyFederal agency providing SBA loan programs including PPP loans and other small business financing programs. RNB/Front Range State Bank serves as approved SBA lender.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
RNB State Bank and Front Range State Bank competitors and assessment
Company assessmentDirect peers
- Points West Community Bank: Colorado-headquartered community bank serving agricultural, SME, and consumer customers with comparable deposit/lending products and a similar customer-first, community-banking value proposition in the Colorado Front Range market.
- ANB Bank: Wyoming-based community bank offering similar deposit, business, agricultural, and SBA lending products to retail and SME customers; directly comparable in product mix, charter philosophy, and Wyoming/Colorado geographic focus.
- Pinnacle Bancorp: Bank holding company operating chartered community banks across Wyoming and Nebraska — same private, locally-managed model emphasizing personal service, business banking, and agricultural lending; useful comparable for both Wyoming franchise and SBA exposure.
- First National Bank of Wyoming: Wyoming-focused community bank offering personal/business banking, mortgages, and ag lending; comparable community-bank operating model with shared Wyoming footprint.
- Bank of the Rockies (or Bank of Colorado): Heartland Financial subsidiary bank serving small businesses, ag operators, and consumers in Wyoming/Colorado; directly comparable in scope of products, geographic fit, and target customer segmentation.
Regional players
- Bellco Credit Union: Colorado-headquartered credit union serving Longmont-area members, including consumer checking, mortgage, and small-business products — competes with the Front Range State Bank operation for retail deposits and consumer loans.
Broad incumbents
- First Interstate BancSystem: Public, multi-state community-bank holding company with significant Wyoming/Colorado presence — same operating geography and customer type, but vastly larger scale and broad corporate banking capabilities beyond RNB's niche.
- Glacier Bancorp: Diversified community-bank holding company with multiple charter subsidiaries serving Mountain West and Western US markets — directly competes in deposit gathering and SME lending with overlapping regional franchises.
- Wells Fargo: National megabank with branches throughout Wyoming and Colorado; competes for the same consumer and small-business relationships as RNB/Front Range State Bank but offers significantly broader product and digital capabilities.
Others
- Fiserv (technology counterparty): Core banking and mobile banking platform provider; included as an ecosystem enabler given RNB's mobile banking runs on Fiserv's Mobiliti stack and bank cards process through Fiserv-driven merchant services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
RNB State Bank and Front Range State Bank social profiles
Digital presenceRNB State Bank and Front Range State Bank compliance and trust
Trust signalCompliance8 records
RNB State Bank and Front Range State Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
RNB State Bank and Front Range State Bank leadership team
Management profileNumber of profiles
Profiles22 records
RNB State Bank and Front Range State Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
RNB State Bank and Front Range State Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RNB State Bank and Front Range State Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RNB State Bank and Front Range State Bank
What does RNB State Bank and Front Range State Bank do?
RNB State Bank and Front Range State Bank operate as a dual-branded community bank offering personal and business deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, auto, home equity, construction, agricultural, SBA, commercial real estate, business loans), payment cards (Visa debit, partner-issued credit cards), and digital banking channels (online, mobile, telephone). The bank serves individuals, small businesses, agricultural operations, and commercial customers across south central Wyoming and Colorado's Front Range through six physical locations and digital channels.
Is RNB State Bank and Front Range State Bank a public or private company?
RNB State Bank and Front Range State Bank is a private company. It is classified as management employee owned and is currently operating.
When was RNB State Bank and Front Range State Bank founded?
RNB State Bank and Front Range State Bank was founded in 1899. It employs 11 to 50 people.
Where is RNB State Bank and Front Range State Bank based?
RNB State Bank and Front Range State Bank is headquartered in Rawlins, United States, in the North America region.
How does RNB State Bank and Front Range State Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are overdraft and NSF Fees, account Service Charges, debit Card Interchange and deposit Account Fees.
Who are RNB State Bank and Front Range State Bank's main competitors?
Direct peers on record are Points West Community Bank, ANB Bank, Pinnacle Bancorp, First National Bank of Wyoming and Bank of the Rockies (or Bank of Colorado). Bellco Credit Union is listed as a regional player. Broad incumbents are First Interstate BancSystem, Glacier Bancorp and Wells Fargo. Fiserv (technology counterparty) is listed as an others.
Does RNB State Bank and Front Range State Bank have an API?
No public API is recorded for RNB State Bank and Front Range State Bank.
What industry is RNB State Bank and Front Range State Bank in?
RNB State Bank and Front Range State Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.