Reliance Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.65 percentage points in Q2 2026, from 139.91% to 130.27%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Reliance Bank is 79th of 221 on loan-to-deposit ratio, 86.95% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Reliance Bank sits 6.11 points higher, at 86.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $244.9M |
| Net loans and leases | $241.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.29% |
| Loan-to-deposit ratio | 86.95% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.36% |
| Multifamily (5+ residential) | 2.97% |
| Commercial and industrial | 40.53% |
| Consumer | 1.41% |
| Credit cards | 0.00% |
| Farm | 1.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.27% |
| Construction concentration (Tier 1 capital + allowance) | 33.51% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.16% |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $222.1M | $221.8M | 18.23% | 39.19% | 1.52% |
| Q4 2023 | $226.4M | $217.9M | 17.68% | 39.10% | 1.54% |
| Q1 2024 | $234.9M | $231.4M | 19.43% | 37.81% | 1.46% |
| Q2 2024 | $230.5M | $234.3M | 19.46% | 37.40% | 1.42% |
| Q3 2024 | $226.2M | $236.6M | 20.13% | 37.76% | 1.38% |
| Q4 2024 | $234.2M | $241.7M | 18.96% | 41.08% | 1.64% |
| Q1 2025 | $236.6M | $252.8M | 19.93% | 40.08% | 1.44% |
| Q2 2025 | $233.5M | $257.5M | 18.39% | 40.50% | 1.69% |
| Q3 2025 | $242.8M | $253.0M | 19.95% | 39.30% | 1.44% |
| Q4 2025 | $247.3M | $273.8M | 20.28% | 40.45% | 1.49% |
| Q1 2026 | $244.9M | $272.7M | 20.09% | 39.79% | 1.35% |
| Q2 2026 | $244.9M | $281.6M | 19.36% | 40.53% | 1.41% |
Reliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Bank, freeSource: Call Report Schedule RC-C, 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)