Reliance Savings 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 6.7% to $530.7M. Within Pennsylvania, Reliance Savings Bank is 27th of 72 on CET1 ratio, 15.35% as of Q2 2026, above the middle of the field. At 15.35%, Reliance Savings Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.35% |
| Tier 1 risk-based capital ratio | 15.35% |
| Total risk-based capital ratio | 16.27% |
| Tier 1 leverage ratio | 12.24% |
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 | $81.5M |
| Tier 1 capital | $81.5M |
| Total risk-based capital | $86.4M |
| Total equity capital | $78.9M |
| Risk-weighted assets | $530.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.15% |
| Tangible equity to tangible assets | 11.71% |
| Equity capital to average assets | 11.79% |
| Internal capital growth rate | 5.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $84.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.9M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.09% | 16.09% | 17.19% | 11.55% | $465.0M |
| Q4 2023 | 15.94% | 15.94% | 17.08% | 11.37% | $474.9M |
| Q1 2024 | 15.63% | 15.63% | 16.88% | 11.42% | $484.4M |
| Q2 2024 | 15.66% | 15.66% | 16.87% | 11.67% | $488.7M |
| Q3 2024 | 15.68% | 15.68% | 16.85% | 11.76% | $492.7M |
| Q4 2024 | 15.48% | 15.48% | 16.74% | 11.34% | $499.2M |
| Q1 2025 | 15.31% | 15.31% | 16.36% | 11.61% | $508.8M |
| Q2 2025 | 15.53% | 15.53% | 16.45% | 11.86% | $504.0M |
| Q3 2025 | 15.38% | 15.38% | 16.37% | 12.03% | $511.7M |
| Q4 2025 | 15.77% | 15.77% | 16.70% | 11.97% | $510.4M |
| Q1 2026 | 14.11% | 14.11% | 14.96% | 11.97% | $569.1M |
| Q2 2026 | 15.35% | 15.35% | 16.27% | 12.24% | $530.7M |
Reliance Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30117) · FFIEC NIC profile (RSSD 743679)