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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.

Loan totals for Relyance Bank, Q3 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.

Portfolio mix (share of total loans) for Relyance Bank, Q3 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

Concentration measures for Relyance Bank, Q3 2026
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.

Loan earnings for Relyance Bank, Q3 2026
Line item Q3 2026
Yield on loans 6.55%
Interest income on loans $18.3M

Loan Portfolio trend

Total loans and deposits
Portfolio mix over time
Concentration to capital

Loan Portfolio by quarter

Values plotted above, Relyance Bank, oldest first
Quarter Total loansTotal depositsCommercial real estateCommercial and industrialConsumer
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

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