Reliance State Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Reliance State Bank, based in Story City, Iowa, reported $277 million in assets at June 30, 2026, down 5.9% from a year earlier. It keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 22.1% of the capital and reserves that would absorb them, 8.4 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $528,000, 105% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.95% of loans from 2.70% a year earlier. Profitability lags: it earns about $0.75 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Reliance State Bank reported a CET1 capital ratio of 12.86%, a return on assets of 1.13%, a nonperforming-loan ratio of 2.22% and a Texas ratio of 20.16%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 606 Broad St, Story City, IA 50248
- County
- Story
- Metro Area
- Ames, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- January 28, 1928
- Former names
- Randall-Story State Bank (1973-2012); Randall State Bank (1972-1973)
- Offices
- 2 domestic
- Employees (FTE)
- 31
- Domestic deposits
- $247.4M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $207K
- Average total assets
- $278.4M
- Average total loans
- $193.1M
- Average interest-bearing deposits
- $197.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9299
- Fed RSSD
- 466044
- SEC CIK
- 1132651 → filed by AMES NATIONAL CORPORATION
- Website
- www.rsbiowa.com →
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258) · ATLO
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Reliance State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Reliance State Bank, freeReliance State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Reliance State Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.87% | 0.75% | 2.95% | 22.13% | 3.01% |
| Q1 2026 | 12.12% | 0.90% | 3.21% | 24.78% | 2.92% |
| Q4 2025 | 12.13% | 0.93% | 1.50% | 11.59% | 2.98% |
| Q3 2025 | 11.88% | 1.09% | 1.53% | 12.19% | 2.92% |
| Q2 2025 | 11.57% | 0.34% | 2.70% | 22.90% | 2.55% |
| Q1 2025 | 11.20% | 0.99% | 0.65% | 5.83% | 2.67% |
| Q4 2024 | 10.92% | 0.76% | 0.76% | 7.46% | 2.33% |
| Q3 2024 | 11.08% | 0.43% | 0.82% | 7.19% | 2.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Garner Branch | Garner , IA | 50438 | $133.8M |
| Reliance State Bank (main office) | Story City , IA | 50248 | $100.9M |
Regulatory record
What the public regulatory sources show for Reliance State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IA, rank 121 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 75 applications, 66 loans originated, $11.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Reliance State Bank
What are Reliance State Bank's total assets?
As of the Q3 2026 filing, Reliance State Bank reported total assets of $284.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Reliance State Bank headquartered?
Reliance State Bank is headquartered in Story City, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Reliance State Bank founded?
Reliance State Bank was established in 1928, per the FDIC institution directory.
Is Reliance State Bank FDIC-insured?
Yes. Reliance State Bank is an FDIC-insured commercial bank (FDIC Certificate #9299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Reliance State Bank?
Reliance State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Reliance State Bank's CET1 capital ratio?
Reliance State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.86% in its Q3 2026 call report, above regulatory requirements.
How many branches does Reliance State Bank operate?
Reliance State Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Reliance State Bank's Texas Ratio?
Reliance State Bank's Texas Ratio is 20.16% in its Q3 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Reliance State Bank previously called?
The charter now named Reliance State Bank has also operated as Randall-Story State Bank (1973-2012), Randall State Bank (1972-1973), per FDIC structure-change records.
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