Relyance Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q3 2026 filing, Relyance Bank reported 8 of the 9 line items on this page. It did not report foreign exchange derivatives, notional. Unused home equity and credit card lines was $6.6M in Q3 2026, down 19.0% from $8.2M in Q3 2025. That is 0.4% of its total assets. Across the 12 quarters shown it ranged from $4.2M (Q1 2024) to $9.0M (Q2 2024).
Letters of credit dropped 14.9% in Q3 2026, from $5.4M to $4.6M. It was the largest change from Q2 2026 among the key lines here.
Commitments
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $6.6M |
| Letters of credit | $4.6M |
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Derivatives
Largest change in this table: derivatives notional to total assets, down 0.07 points to 1.33% in Q3 2026 after 1.40% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $20.0M |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | — |
| Derivatives notional to total assets | 1.33% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $4.3M | $266K | 1.33% |
| Q1 2024 | $4.2M | $261K | 1.46% |
| Q2 2024 | $9.0M | $264K | 1.45% |
| Q3 2024 | $8.1M | $1.1M | 1.38% |
| Q4 2024 | $7.7M | $1.1M | 3.79% |
| Q1 2025 | $8.2M | $1.1M | 1.34% |
| Q2 2025 | $7.7M | $2.6M | 1.31% |
| Q3 2025 | $8.2M | $4.6M | 1.35% |
| Q4 2025 | $7.3M | $4.6M | 1.35% |
| Q1 2026 | $6.6M | $5.4M | 1.35% |
| Q2 2026 | $5.9M | $5.4M | 1.40% |
| Q3 2026 | $6.6M | $4.6M | 1.33% |
Relyance Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, 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)