Reliance Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Reliance Savings Bank is an FDIC-insured savings bank headquartered in Altoona, PA, established in 1939 (FDIC certificate 30117), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $648.9M, up 1.3% from Q2 2025, the 57th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 15.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30117
- Headquarters
- Altoona, PA
- Established
- 1939
- Total assets, Q2 2026
- $648.9M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 15.35%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 231375397
- Latest call report
- Q2 2026, FFIEC 051 · Reliance Savings Bank call report
- Holding company
- RELIANCE BANCORP, INC
- Asset rank in state
- 57th of 109 in Pennsylvania
Reliance Savings Bank, based in Altoona, Pennsylvania, reported $649 million in assets at June 30, 2026, up 1.3% from a year earlier. It returns 5.9% a year on shareholders' equity, about half the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
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 0.26% of loans from 0.77%. Its $64 million non-owner-occupied commercial real estate book is now fully current, after 1.37% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Reliance Savings Bank reported a CET1 capital ratio of 15.35%, a return on assets of 0.70%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.66%. The figures come from its call report filed with the FFIEC.
Reliance Savings Bank ranks as the 57th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $648.9M, loans rose 2.7% and deposits fell 1.7%. 1-4 family residential loans made up 43.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 13.4%. The FDIC Summary of Deposits lists 9 offices for it, in 6 cities in PA; its Altoona 4 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Reliance Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1300 11th Avenue, Altoona, PA 16601
- County
- Blair
- Metro Area
- Altoona, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1939
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 88
- Domestic deposits
- $511.7M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $668.8M
- Average total loans
- $497.8M
- Average interest-bearing deposits
- $400.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30117
- Fed RSSD
- 743679
- Website
- www.reliancebank.bank →
- Parent Holding Company
- RELIANCE BANCORP, INC (RSSD 3788822)
- Ultimate Parent
- RELIANCE BANCORP, MHC (RSSD 3788783)
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
Over the 12 quarters to Q2 2026, Reliance Savings Bank's total assets ran between $633.2M (Q3 2023) and $674.1M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$648.9M total assets against $640.5M; $570.1M total liabilities against $566.1M.
$498.2M net loans and leases against $469.0M; $511.7M total deposits against $499.8M.
$102.4M securities against $122.2M; $13.8M cash and balances due against $14.7M.
$8.1M total interest income against $7.7M; $2.7M total interest expense against $2.8M.
$5.4M net interest income against $4.9M.
$928K total noninterest income against $826K; $4.9M total noninterest expense against $4.5M.
$66K provision for credit losses against $780K.
$1.2M net income against $370K.
0.70% return on assets against 0.22%; 3.47% net interest margin against 3.13%.
15.35% CET1 capital ratio against 15.53%; 12.24% tier 1 leverage ratio against 11.86%.
Inside the full Reliance Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeReliance Savings Bank rankings
Its closest position to the top of a national ranking is 1,452 of 4,196, for total assets; its furthest is 3,114 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.11% (Q1 2026) to 0.99% (Q4 2025) and its net interest margin ran from 2.62% (Q3 2024) to 3.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.35% | 0.70% | 0.26% | 1.66% | 3.47% |
| Q1 2026 | 14.11% | -0.11% | 0.20% | 1.27% | 3.28% |
| Q4 2025 | 15.77% | 0.99% | 0.34% | 2.05% | 3.23% |
| Q3 2025 | 15.38% | 0.25% | 0.69% | 4.27% | 3.29% |
| Q2 2025 | 15.53% | 0.22% | 0.77% | 4.82% | 3.13% |
| Q1 2025 | 15.31% | 0.45% | 1.35% | 8.47% | 2.92% |
| Q4 2024 | 15.48% | 0.02% | 1.66% | 10.36% | 2.65% |
| Q3 2024 | 15.68% | 0.43% | 1.03% | 6.26% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → 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 |
|---|---|---|---|
| 17th Street Branch | Altoona , PA | 16602 | $90.7M |
| North Atherton Branch | State College , PA | 16803 | $86.3M |
| Tyrone Branch | Tyrone , PA | 16686 | $81.0M |
| Plank Road Branch | Altoona , PA | 16602 | $70.5M |
| Meadows Branch | Duncansville , PA | 16635 | $66.0M |
| Lakemont Branch | Altoona , PA | 16602 | $49.7M |
| Reliance Savings Bank (main office) | Altoona , PA | 16601 | $36.5M |
| Martinsburg Office Branch | Martinsburg , PA | 16662 | $27.8M |
| Bellefonte Office Branch | Bellefonte , PA | 16823 | $3.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1984 | Structure Change | Acquired Improvement Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 82 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 350 applications, 278 loans originated, $47.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K 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, 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 Savings Bank
What are Reliance Savings Bank's total assets?
As of the Q2 2026 filing, Reliance Savings Bank reported total assets of $648.9 million in its FFIEC call report.
Where is Reliance Savings Bank headquartered?
It is headquartered in Altoona, PA, United States.
When was Reliance Savings Bank founded?
It was established in 1939, per the FDIC institution directory.
Is Reliance Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Reliance Savings Bank?
Reliance Savings Bank's primary federal regulator is the FDIC.
What is Reliance Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Reliance Savings Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Reliance Savings Bank's Texas Ratio?
Its Texas Ratio is 1.66% 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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