Reliance Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 92.35 percentage points lower than in Q1 2026, at 350.65%. Reliance Savings Bank ranks 79th of 109 Pennsylvania banks on return on assets, in the lower half at 0.70% (Q2 2026). Reliance Savings Bank reported 0.70% on return on assets for Q2 2026, 0.56 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.35% |
| Tier 1 risk-based capital ratio | 15.35% |
| Total risk-based capital ratio | 16.27% |
| Tier 1 leverage ratio | 12.24% |
| Equity capital to assets | 12.15% |
| Tangible equity to tangible assets | 11.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.73% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 350.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.70% |
| Return on equity | 5.94% |
| Net interest margin | 3.47% |
| Efficiency ratio | 76.54% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.27% |
| Core deposits to total deposits | 93.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.85% |
| Securities to assets | 15.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.09% | 16.09% | 17.19% | 11.55% | 0.43% |
| Q4 2023 | 15.94% | 15.94% | 17.08% | 11.37% | 0.53% |
| Q1 2024 | 15.63% | 15.63% | 16.88% | 11.42% | 0.02% |
| Q2 2024 | 15.66% | 15.66% | 16.87% | 11.67% | 0.50% |
| Q3 2024 | 15.68% | 15.68% | 16.85% | 11.76% | 0.43% |
| Q4 2024 | 15.48% | 15.48% | 16.74% | 11.34% | 0.02% |
| Q1 2025 | 15.31% | 15.31% | 16.36% | 11.61% | 0.45% |
| Q2 2025 | 15.53% | 15.53% | 16.45% | 11.86% | 0.22% |
| Q3 2025 | 15.38% | 15.38% | 16.37% | 12.03% | 0.25% |
| Q4 2025 | 15.77% | 15.77% | 16.70% | 11.97% | 0.99% |
| Q1 2026 | 14.11% | 14.11% | 14.96% | 11.97% | -0.11% |
| Q2 2026 | 15.35% | 15.35% | 16.27% | 12.24% | 0.70% |
Reliance Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30117) · FFIEC NIC profile (RSSD 743679)