Bank Comparison
Douglas National Bank vs Reliance Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Douglas National Bank | Reliance Bank |
|---|---|---|
| CET1 Ratio | 14.19% | — |
| Tier 1 Capital Ratio | 14.19% | — |
| Total Capital Ratio | 15.26% | — |
| Tier 1 Leverage Ratio | 9.93% | 8.78% |
| Equity / Assets | 9.16% | 8.18% |
Profitability
| Metric | Douglas National Bank | Reliance Bank |
|---|---|---|
| Return on Assets (ROA) | 3.47% | 0.69% |
| Return on Equity (ROE) | 36.76% | 8.41% |
| Net Interest Margin (NIM) | 5.35% | 3.67% |
| Yield on Earning Assets | 6.66% | 6.22% |
| Cost of Funds | 1.42% | 2.81% |
Asset quality
| Metric | Douglas National Bank | Reliance Bank |
|---|---|---|
| Texas Ratio | 2.35% | 2.56% |
| Non-Performing Loan Ratio | 0.32% | 0.26% |
| Non-Performing Asset Ratio | 0.23% | 0.23% |
| Net Charge-Off Ratio | 0.05% | 0.03% |
| ACL / Loans | 1.02% | 1.24% |
Balance sheet
| Metric | Douglas National Bank | Reliance Bank |
|---|---|---|
| Total Assets | $331,550K | $331,168K |
| Total Deposits | $301,091K | $272,720K |
| Total Loans | $242,441K | $244,950K |
| Total Equity | $30,354K | $27,101K |
| Net Income (quarter) | $2,874K | $575 |
Liquidity & funding
| Metric | Douglas National Bank | Reliance Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.52% | 89.82% |
| Core Deposit Ratio | 88.91% | 95.67% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Douglas National Bank | Reliance Bank |
|---|---|---|
| Headquarters City | DOUGLAS | FARIBAULT |
| Headquarters State | GA | MN |
| Asset Tier | Small | Small |
| Charter Class | 24249 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 35 | 41 |
| Established | Nov. 19, 2001, midnight | Aug. 13, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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