Reliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Reliance Bank of Faribault, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.35% | -0.37% | 32nd below |
| ROAE | 11.70% | 12.05% | -0.35% | 46th below |
| Net Interest Margin | 3.97% | 3.90% | +0.07% | 52nd above |
| Efficiency Ratio | 69.68% | 63.15% | +6.53% | 29th below |
| PPNR / Avg Assets | 1.23% | 1.64% | -0.41% | 30th below |
| Yield on Earning Assets | 6.51% | 5.65% | +0.86% | 87th top |
| Cost of Funds | 2.83% | 1.85% | +0.98% | 8th bottom |
| Net Interest Spread | 3.38% | 3.35% | +0.03% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.92% | -0.67% | 60th above |
| NPA / Total Assets | 0.24% | 0.67% | -0.43% | 56th above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 82nd top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 501.61% | 1645.63% | -1144.02% | 71st above |
| Texas Ratio | 2.53% | 7.15% | -4.62% | 58th above |
| Provision / NCO | 1206.67% | 1189.19% | +17.48% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.79% | 20.84% | -9.05% | 15th bottom |
| Tier 1 Ratio | 11.79% | 20.87% | -9.08% | 15th bottom |
| Total Capital Ratio | 13.03% | 21.94% | -8.91% | 17th bottom |
| Leverage Ratio | 8.98% | 12.46% | -3.48% | 12th bottom |
| Equity / Assets | 8.52% | 11.67% | -3.15% | 20th bottom |
| TCE / Tangible Assets | 8.52% | 11.40% | -2.88% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.95% | 78.64% | +8.31% | 36th below |
| Core Deposit Ratio | 79.32% | 87.10% | -7.78% | 14th bottom |
| Wholesale Funding Ratio | 6.32% | 5.11% | +1.21% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.51% | 6.47% | +3.04% | 81st top |
| Loan Growth (Y/Y) | 4.88% | 7.64% | -2.76% | 47th below |
| Deposit Growth (Y/Y) | 9.38% | 6.02% | +3.36% | 81st top |
See Reliance Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Reliance Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Reliance Bank profile, how to read a UBPR, or how this data updates.