BanksRELIANCE STATE BANK

RELIANCE STATE BANK

STORY CITY, IASmallEst. Jan. 28, 1928, midnightFDIC #9299RSSD #466044FDIC
Latest · 2025-12-31

RELIANCE STATE BANK is an 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%. CET1 capital ratio: 12.13%, well above regulatory minimums. NPL ratio: 1.50% · Texas Ratio: 9.47%. Operates 2 domestic branches.

Assets
$285M
Deposits
$244M
Loans
$195M
Equity
$28M

Profitability

Return on Assets (ROA)0.94%
Return on Equity (ROE)9.68%
Net Interest Margin3.08%
Yield on Assets4.92%
Cost of Funds1.95%

Asset Quality

NPL Ratio1.50%
Net Charge-Off Ratio0.21%
Texas Ratio9.47%
NPA Ratio1.02%
ACL / Loans1.34%

Capital & Liquidity

CET1 Ratio12.13%
Tier 1 Capital12.13%
Total Capital Ratio13.38%
Leverage Ratio9.39%
Loan-to-Deposit79.62%

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