Reliance Bank
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Data as of · sourced from FFIEC call reports. How we update
Reliance Bank is an FDIC-insured commercial bank headquartered in Faribault, MN, established in 2007 (FDIC certificate 58602), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $334.1M, up 9.5% from Q2 2025, the 78th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58602
- Headquarters
- Faribault, MN
- Established
- 2007
- Total assets, Q2 2026
- $334.1M
- Assets vs Q2 2025
- +9.5%
- CET1 ratio, Q2 2026
- 11.79%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091918224
- Holding company
- RELIANCE BANCORPORATION, INC.
- Asset rank in state
- 78th of 221 in Minnesota
Reliance Bank pays more for its money than most banks of its size. Its balance sheet stood at $334 million at June 30, 2026, up 9.5% from a year earlier; it is based in Faribault, Minnesota. It pays an average of 2.83% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also funds 8.98% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.25% of loans from 1.28%. Earnings jumped: net income for the quarter was $813,000, 58% above the same quarter a year earlier.
As of June 30, 2026, Reliance Bank reported a CET1 capital ratio of 11.79%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 2.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Reliance Bank is the 78th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $334.1M, loans were flat and deposits rose 3.3%. Commercial and industrial loans made up 40.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.7%. Its one office in the FDIC Summary of Deposits is in Faribault, MN. Judged on its Q2 2026 call report, Reliance Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2300 30th St Nw, Faribault, MN 55021
- County
- Rice
- Metro Area
- Faribault-Northfield, MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 13, 2007
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $281.6M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $333.3M
- Average total loans
- $242.7M
- Average interest-bearing deposits
- $236.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 13, 2007
- FDIC Cert
- 58602
- Fed RSSD
- 3596250
- Website
- https://www.reliancebankmn.com →
- Parent Holding Company
- RELIANCE BANCORPORATION, INC. (RSSD 3596269)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Reliance Bank's total assets ranged from $253.0M (Q3 2023) to $334.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$334.1M total assets against $305.1M; $305.6M total liabilities against $279.6M.
$241.7M net loans and leases against $229.4M; $281.6M total deposits against $257.5M.
$78.9M securities against $57.6M; $5.1M cash and balances due against $10.1M.
$5.3M total interest income against $4.7M; $2.1M total interest expense against $2.0M.
$3.2M net interest income against $2.7M.
$231K total noninterest income against $268K; $2.4M total noninterest expense against $2.1M.
$110K provision for credit losses against $325K.
$813K net income against $515K.
0.98% return on assets against 0.68%; 3.97% net interest margin against 3.64%.
8.98% tier 1 leverage ratio against 8.92%.
Inside the full Reliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeReliance Bank rankings
Its closest position to the top of a national ranking is 2,304 of 4,196, for total assets; its furthest is 1,779 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.53% (Q3 2024) to 0.98% (Q2 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.79% | 0.98% | 0.25% | 2.53% | 3.97% |
| Q1 2026 | — | 0.69% | 0.26% | 2.56% | 3.67% |
| Q4 2025 | — | 0.81% | 0.27% | 2.67% | 3.91% |
| Q3 2025 | — | 0.64% | 1.30% | 10.17% | 3.88% |
| Q2 2025 | — | 0.68% | 1.28% | 10.12% | 3.64% |
| Q1 2025 | — | 0.75% | 1.21% | 10.06% | 3.48% |
| Q4 2024 | — | 0.70% | 0.95% | 8.14% | 3.44% |
| Q3 2024 | — | 0.53% | 1.02% | 8.31% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Reliance Bank (main office) | Faribault , MN | 55021 | $281.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 110 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Reliance Bank
What are Reliance Bank's total assets?
As of the Q2 2026 filing, Reliance Bank reported total assets of $334.1 million in its FFIEC call report.
Where is Reliance Bank headquartered?
It is headquartered in Faribault, MN, United States.
When was Reliance Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Reliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Reliance Bank?
Reliance Bank's primary federal regulator is the FDIC.
What is Reliance Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Reliance Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Reliance Bank's Texas Ratio?
Its Texas Ratio is 2.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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