Reliance Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 20.49 percentage points in Q2 2026, from 481.11% to 501.61%. It was the largest change from Q1 2026 among the key lines here. Reliance Bank ranks 172nd of 221 Minnesota banks on return on assets, in the lower half at 0.98% (Q2 2026). Reliance Bank reported 0.98% on return on assets for Q2 2026, 0.28 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.79% |
| Tier 1 risk-based capital ratio | 11.79% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 8.98% |
| Equity capital to assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.53% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 501.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 11.70% |
| Net interest margin | 3.97% |
| Efficiency ratio | 69.68% |
| Yield on earning assets | 6.51% |
| Cost of funds | 2.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.95% |
| Core deposits to total deposits | 79.32% |
| Brokered deposits to total deposits | 16.10% |
| Deposits to assets | 84.29% |
| Securities to assets | 23.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.26% | 0.63% | 3.41% | 1.43% | 0.22% |
| Q4 2023 | 9.21% | 0.57% | 3.68% | 0.19% | -0.01% |
| Q1 2024 | 9.24% | 0.35% | 3.40% | 0.15% | 0.04% |
| Q2 2024 | 9.25% | 0.14% | 3.14% | 1.19% | 0.04% |
| Q3 2024 | 9.08% | 0.53% | 3.25% | 1.02% | 0.56% |
| Q4 2024 | 9.07% | 0.70% | 3.44% | 0.95% | 0.00% |
| Q1 2025 | 9.02% | 0.75% | 3.48% | 0.94% | 0.00% |
| Q2 2025 | 8.92% | 0.68% | 3.64% | 1.06% | 0.00% |
| Q3 2025 | 9.01% | 0.64% | 3.88% | 1.08% | 0.26% |
| Q4 2025 | 8.74% | 0.81% | 3.91% | 0.27% | 2.89% |
| Q1 2026 | 8.78% | 0.69% | 3.67% | 0.26% | 0.03% |
| Q2 2026 | 8.98% | 0.98% | 3.97% | 0.25% | -0.00% |
Reliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)