Relyance Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Relyance Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $1.12B in Q3 2026, down 5.0% from $1.17B in Q3 2025. That is 73.9% of its total assets. Across the 12 quarters shown it ranged from $1.03B (Q4 2023) to $1.17B (Q3 2025).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 9.85 percentage points lower than in Q2 2026, at 249.90%. Within Arkansas, Relyance Bank is 43rd of 78 on loan-to-deposit ratio, 86.08% as of Q3 2026. The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio; Relyance Bank reported 86.08% for Q3 2026, nearly level with it.
Loan totals
Loan-to-deposit ratio changed the most here, down 6.86 points to 86.08% in Q3 2026 from 92.94% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $1.12B |
| Net loans and leases | $1.10B |
| Loans held for sale | $0 |
| Loans to total assets | 73.88% |
| Loan-to-deposit ratio | 86.08% |
| Net loans to equity capital | 5.72× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Commercial real estate (nonfarm nonresidential) changed the most here, down 2.71 points to 44.06% in Q3 2026 from 46.77% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.06% |
| Multifamily (5+ residential) | 3.70% |
| Commercial and industrial | 18.75% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 5.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.90% |
| Construction concentration (Tier 1 capital + allowance) | 44.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans moved most in this table, up 0.16 points: 6.39% in Q2 2026, 6.55% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $18.3M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $1.03B | $1.33B | 47.45% | 16.39% | 0.51% |
| Q1 2024 | $1.04B | $1.18B | 47.74% | 16.39% | 0.50% |
| Q2 2024 | $1.11B | $1.20B | 46.47% | 17.44% | 0.48% |
| Q3 2024 | $1.16B | $1.22B | 46.15% | 17.96% | 0.43% |
| Q4 2024 | $1.15B | $1.26B | 47.13% | 17.99% | 0.39% |
| Q1 2025 | $1.10B | $1.29B | 47.15% | 19.27% | 0.38% |
| Q2 2025 | $1.17B | $1.32B | 47.43% | 18.60% | 0.35% |
| Q3 2025 | $1.17B | $1.28B | 47.03% | 18.69% | 0.35% |
| Q4 2025 | $1.16B | $1.28B | 46.26% | 19.10% | 0.33% |
| Q1 2026 | $1.11B | $1.27B | 46.80% | 19.92% | 0.31% |
| Q2 2026 | $1.13B | $1.22B | 46.77% | 18.84% | 0.29% |
| Q3 2026 | $1.12B | $1.30B | 44.06% | 18.75% | 0.31% |
Relyance Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Relyance Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 19371) · FFIEC NIC profile (RSSD 49241)