RELIANCE STATE BANK

STORY CITY, IA | Small | Est. Jan. 28, 1928, midnight | FDIC #9299 | RSSD #466044 | FDIC
Latest Report: 2025-12-31

RELIANCE STATE BANK is asn small FDIC-insured commercial bank headquartered in STORY CITY, IA, established in Jan. 28, 1928, midnight. As of 2025-12-31, the bank reported total assets of $285M and total deposits of $244M. Profitability stands at 0.94% ROA and 9.68% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 12.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 9.47%. FDIC Certificate #9299.

Assets

$285M

Deposits

$244M

Loans

$195M

Equity

$28M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 9.68%
Net Interest Margin (NIM) 3.08%
Yield on Assets 4.92%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio 0.21%
Texas Ratio 9.47%
NPA Ratio 1.02%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 12.13%
Tier 1 Capital 12.13%
Total Capital Ratio 13.38%
Leverage Ratio 9.39%
Loan-to-Deposit 79.62%

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