Reliance Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 27.2% higher than in Q1 2026, at -$1.4M. Reliance Bank ranks 127th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Reliance Bank sits 3.28 points lower, at 11.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.79% |
| Tier 1 risk-based capital ratio | 11.79% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 8.98% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $29.9M |
| Tier 1 capital | $29.9M |
| Total risk-based capital | $33.1M |
| Total equity capital | $28.5M |
| Risk-weighted assets | $253.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
| Equity capital to average assets | 8.54% |
| Internal capital growth rate | 12.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $21.2M |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.26% | 8.02% | 8.02% |
| Q4 2023 | 9.21% | 8.11% | 8.11% |
| Q1 2024 | 9.24% | 8.40% | 8.40% |
| Q2 2024 | 9.25% | 8.36% | 8.36% |
| Q3 2024 | 9.08% | 8.47% | 8.47% |
| Q4 2024 | 9.07% | 8.06% | 8.06% |
| Q1 2025 | 9.02% | 8.23% | 8.23% |
| Q2 2025 | 8.92% | 8.36% | 8.36% |
| Q3 2025 | 9.01% | 8.46% | 8.46% |
| Q4 2025 | 8.74% | 8.50% | 8.50% |
| Q1 2026 | 8.78% | 8.18% | 8.18% |
| Q2 2026 | 8.98% | 8.52% | 8.52% |
Reliance Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Reliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58602) · FFIEC NIC profile (RSSD 3596250)