Relyance Bank
Relyance Bank is an FDIC-insured commercial bank headquartered in White Hall, AR, supervised by the Federal Reserve, with $1.51B in total assets at Q3 2026, up 1.5% from Q3 2025, the 17th largest of 78 banks headquartered in Arkansas. It was established in 1965 and holds FDIC certificate 19371. Its CET1 capital ratio was 14.86% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 19371
- Headquarters
- White Hall, AR
- Established
- 1965
- Total assets, Q3 2026
- $1.51B
- Assets vs Q3 2025
- +1.5%
- CET1 ratio, Q3 2026
- 14.86%
- Domestic offices
- 21 branches
- Routing number
- 082901088
- Safety and soundness
- Is Relyance Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Relyance Bank call report
- Holding company
- JEFFERSON BANCSHARES, INC.
- Asset rank in state
- 17th of 78 in Arkansas
Relyance Bank, based in White Hall, Arkansas, reported $1.5 billion in assets at September 30, 2026, up 1.5% from a year earlier. It shrank its loan book 5.0% over the year, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 6.0%). It also funds 13.23% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.57%).
Loans and deposits moved in opposite directions: over the year loans fell 5.0% and deposits rose 0.9%. Funding is the softer spot: it holds about two-fifths of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 31.1%).
As of September 30, 2026, Relyance Bank reported a CET1 capital ratio of 14.86%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 2.71%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Relyance Bank is the 17th largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 5.4% to $1.51B, loans fell 1.4% and deposits rose 6.4%. The largest part of its loan book on September 30, 2026 was non-owner-occupied commercial real estate loans, at 34.7% of total loans, ahead of commercial and industrial loans at 18.7%. The FDIC Summary of Deposits lists 21 offices for it, in 11 cities in AR; its White Hall office books 48% of its branch deposits. By the capital ratios in its Q3 2026 call report, Relyance Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8500 Sheridan Rd, White Hall, AR 71602
- County
- Jefferson
- Metro Area
- Pine Bluff, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 11, 1965
- Former names
- Relyance Bank, National Association (2013-2022); Pine Bluff National Bank (1972-2013)
- Domestic offices
- 21 branches
- Employees (FTE)
- 201
- Domestic deposits
- $1.30B
- Allowance for credit losses
- $12.6M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $1.49B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 11, 1965
- FDIC Cert
- 19371
- Fed RSSD
- 49241
- SEC CIK
- 2154789 → filed by JEFFERSON BANCSHARES, INC.
- Website
- www.Rely.Bank →
- Parent Holding Company
- JEFFERSON BANCSHARES, INC. (RSSD 2267665)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Relyance Bank's total assets ran between $1.37B (Q1 2024) and $1.52B (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.51B total assets against $1.49B; $1.32B total liabilities against $1.30B.
$1.10B net loans and leases against $1.16B; $1.30B total deposits against $1.28B.
$133.0M securities against $151.5M; $153.4M cash and balances due against $59.0M.
$20.5M total interest income against $20.8M; $7.0M total interest expense against $7.3M.
$13.5M net interest income against $13.6M.
$2.7M total noninterest income against $2.4M; $9.4M total noninterest expense against $8.8M.
$200K provision for credit losses against $275K.
$5.0M net income against $5.3M.
1.35% return on assets against 1.41%; 3.94% net interest margin against 3.88%.
14.86% CET1 capital ratio against 13.33%; 13.23% tier 1 leverage ratio against 12.42%.
Inside the full Relyance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Relyance Bank rankings
Its closest position to the top of a national ranking is 734 of 4,193, for total assets; its furthest is 2,028 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.08% (Q4 2024) to 1.41% (Q3 2025) and its net interest margin ran from 3.42% (Q1 2025) to 3.94% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 14.86% | 1.35% | 0.48% | 2.71% | 3.94% |
| Q2 2026 | 14.69% | 1.26% | 0.40% | 2.69% | 3.90% |
| Q1 2026 | 14.47% | 1.17% | 0.41% | 3.14% | 3.82% |
| Q4 2025 | 14.01% | 1.09% | 0.33% | 2.72% | 3.88% |
| Q3 2025 | 13.33% | 1.41% | 0.42% | 2.86% | 3.88% |
| Q2 2025 | 13.22% | 1.34% | 0.25% | 1.58% | 3.69% |
| Q1 2025 | 13.55% | 1.13% | 0.40% | 2.45% | 3.42% |
| Q4 2024 | 12.88% | 1.08% | 0.41% | 2.69% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 21 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 |
|---|---|---|---|
| Relyance Bank (main office) | White Hall , AR | 71602 | $590.3M |
| Hsv - East Gate Branch | Hot Springs , AR | 71909 | $78.5M |
| Heights Office | Little Rock , AR | 72207 | $76.7M |
| Central Branch | Hot Springs , AR | 71913 | $73.3M |
| Whitehall Branch | Whitehall , AR | 71602 | $46.2M |
| Chenal Parkway Branch | Little Rock , AR | 72223 | $43.7M |
| Star City Branch | Star City , AR | 71667 | $36.6M |
| Riverfront Office | Little Rock , AR | 72202 | $34.0M |
| Bryant Branch | Bryant , AR | 72022 | $32.5M |
| Fordyce Branch | Fordyce , AR | 71742 | $28.3M |
| Watson Chapel Branch | Pine Bluff , AR | 71603 | $28.0M |
| Sheridan Branch | Sheridan , AR | 72150 | $27.1M |
| Redfield Branch | Redfield , AR | 72132 | $24.2M |
| Hsv - Village Square Branch | Hot Springs , AR | 71909 | $19.9M |
| Hazel Street Branch | Pine Bluff , AR | 71603 | $14.7M |
| Olive Street Branch | Pine Bluff , AR | 71603 | $14.2M |
| Malvern Avenue Branch | Hot Springs , AR | 71901 | $14.0M |
| Hwy 10 Branch | Little Rock , AR | 72223 | $10.7M |
| Airport Road Branch | Hot Springs , AR | 71913 | $10.0M |
| Benton Branch | Benton , AR | 72015 | $8.3M |
| East Harding Branch | Pine Bluff , AR | 71601 | $6.2M |
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 |
|---|---|---|---|
| December 7, 2013 | Structure Change | Acquired Hot Springs Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 31, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in AR, rank 20 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 75 loans originated, $27.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $18K approved, $18K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Relyance Bank
What are Relyance Bank's total assets?
As of the Q3 2026 filing, Relyance Bank reported total assets of $1.51 billion in its FFIEC call report.
Where is Relyance Bank headquartered?
It is headquartered in White Hall, AR, United States.
When was Relyance Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Relyance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19371). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Relyance Bank?
Relyance Bank's primary federal regulator is the Federal Reserve.
What is Relyance Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.86% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Relyance Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Relyance Bank's Texas Ratio?
Its Texas Ratio is 2.71% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was Relyance Bank previously called?
The charter now named Relyance Bank has also operated as Relyance Bank, National Association (2013-2022), Pine Bluff National Bank (1972-2013), per FDIC structure-change records.
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