Relyance Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Relyance Bank, based in White Hall, Arkansas, reported $1.4 billion in assets at June 30, 2026, down 5.9% from a year earlier. It shrank its loan book 3.5% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also funds 13.27% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
The balance sheet shrank over the year: over the year loans fell 3.5% and deposits fell 8.1%. The commercial and industrial book ($213 million) is worsening: 0.68% of it is past due or on nonaccrual, up from 0.08% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (41%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Relyance Bank reported a CET1 capital ratio of 14.69%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.69%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 8500 Sheridan Rd, White Hall, AR 71602
- County
- Jefferson
- Metro Area
- Pine Bluff, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 11, 1965
- Former names
- Relyance Bank, National Association (2013-2022); Pine Bluff National Bank (1972-2013)
- Offices
- 21 domestic
- Employees (FTE)
- 204
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $13.8M
- Net charge-offs (YTD)
- $140K
- Average total assets
- $1.47B
- Average total loans
- $1.10B
- Average interest-bearing deposits
- $1.05B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 11, 1965
- FDIC Cert
- 19371
- Fed RSSD
- 49241
- SEC CIK
- 2154789 → filed by JEFFERSON BANCSHARES, INC.
- Website
- www.Rely.Bank →
- Parent Holding Company
- JEFFERSON BANCSHARES, INC. (RSSD 2267665)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 Relyance Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Relyance Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Relyance 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.
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 | 14.69% | 1.26% | 0.40% | 2.69% | 3.90% |
| Q1 2026 | 14.47% | 1.17% | 0.41% | 3.14% | 3.82% |
| Q4 2025 | 14.01% | 1.09% | 0.33% | 2.72% | 3.88% |
| Q3 2025 | 13.33% | 1.41% | 0.42% | 2.86% | 3.88% |
| Q2 2025 | 13.22% | 1.34% | 0.25% | 1.58% | 3.69% |
| Q1 2025 | 13.55% | 1.13% | 0.40% | 2.45% | 3.42% |
| Q4 2024 | 12.88% | 1.08% | 0.41% | 2.69% | 3.48% |
| Q3 2024 | 12.69% | 1.19% | 0.01% | 0.07% | 3.35% |
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 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Relyance Bank (main office) | White Hall , AR | 71602 | $590.3M |
| Hsv - East Gate Branch | Hot Springs , AR | 71909 | $78.5M |
| Heights Office | Little Rock , AR | 72207 | $76.7M |
| Central Branch | Hot Springs , AR | 71913 | $73.3M |
| Whitehall Branch | Whitehall , AR | 71602 | $46.2M |
| Chenal Parkway Branch | Little Rock , AR | 72223 | $43.7M |
| Star City Branch | Star City , AR | 71667 | $36.6M |
| Riverfront Office | Little Rock , AR | 72202 | $34.0M |
| Bryant Branch | Bryant , AR | 72022 | $32.5M |
| Fordyce Branch | Fordyce , AR | 71742 | $28.3M |
| Watson Chapel Branch | Pine Bluff , AR | 71603 | $28.0M |
| Sheridan Branch | Sheridan , AR | 72150 | $27.1M |
| Redfield Branch | Redfield , AR | 72132 | $24.2M |
| Hsv - Village Square Branch | Hot Springs , AR | 71909 | $19.9M |
| Hazel Street Branch | Pine Bluff , AR | 71603 | $14.7M |
| Olive Street Branch | Pine Bluff , AR | 71603 | $14.2M |
| Malvern Avenue Branch | Hot Springs , AR | 71901 | $14.0M |
| Hwy 10 Branch | Little Rock , AR | 72223 | $10.7M |
| Airport Road Branch | Hot Springs , AR | 71913 | $10.0M |
| Benton Branch | Benton , AR | 72015 | $8.3M |
| East Harding Branch | Pine Bluff , AR | 71601 | $6.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 7, 2013 | Structure Change | Acquired Hot Springs Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Relyance 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
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 31, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in AR, rank 20 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 75 loans originated, $27.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $18K approved, $18K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Relyance Bank
What are Relyance Bank's total assets?
As of the Q2 2026 filing, Relyance Bank reported total assets of $1.43 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Relyance Bank headquartered?
Relyance Bank is headquartered in White Hall, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Relyance Bank founded?
Relyance Bank was established in 1965, per the FDIC institution directory.
Is Relyance Bank FDIC-insured?
Yes. Relyance Bank is an FDIC-insured commercial bank (FDIC Certificate #19371). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Relyance Bank?
Relyance Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Relyance Bank's CET1 capital ratio?
Relyance Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Relyance Bank operate?
Relyance Bank operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Relyance Bank's Texas Ratio?
Relyance Bank's Texas Ratio is 2.69% in its Q2 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 Relyance Bank previously called?
The charter now named Relyance Bank has also operated as Relyance Bank, National Association (2013-2022), Pine Bluff National Bank (1972-2013), per FDIC structure-change records.
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