Reliance Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Reliance Savings Bank of Altoona, PA 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 | 0.70% | 1.35% | -0.65% | 19th bottom |
| ROAE | 5.94% | 12.06% | -6.12% | 17th bottom |
| Net Interest Margin | 3.47% | 3.90% | -0.43% | 26th below |
| Efficiency Ratio | 76.54% | 63.14% | +13.40% | 17th bottom |
| PPNR / Avg Assets | 0.87% | 1.64% | -0.77% | 17th bottom |
| Yield on Earning Assets | 5.19% | 5.65% | -0.46% | 31st below |
| Cost of Funds | 1.90% | 1.85% | +0.05% | 43rd below |
| Net Interest Spread | 2.78% | 3.35% | -0.57% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.92% | -0.66% | 60th above |
| NPA / Total Assets | 0.20% | 0.67% | -0.47% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 350.65% | 1645.69% | -1295.04% | 64th above |
| Texas Ratio | 1.73% | 7.15% | -5.42% | 65th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 512.90% | 1189.61% | -676.71% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.35% | 20.83% | -5.48% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.35% | 20.86% | -5.51% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.27% | 21.94% | -5.67% | 50th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.24% | 12.46% | -0.22% | 67th above |
| Equity / Assets | 12.15% | 11.67% | +0.48% | 72nd above |
| TCE / Tangible Assets | 11.71% | 11.40% | +0.31% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.27% | 78.64% | +19.63% | 13th bottom |
| Core Deposit Ratio | 93.72% | 87.09% | +6.63% | 78th top |
| Wholesale Funding Ratio | 7.54% | 5.11% | +2.43% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.31% | 6.48% | -5.17% | 27th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.22% | 7.64% | -1.42% | 56th above |
| Deposit Growth (Y/Y) | 2.39% | 6.02% | -3.63% | 38th below |
See Reliance Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Reliance Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.