Relyance Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Relyance Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.98% in Q3 2026, up 0.03 percentage points from 5.95% in Q3 2025. Across the 12 quarters shown it ranged from 5.24% (Q4 2023) to 5.98% (Q3 2026).
The standout move of Q3 2026 was in Cost of borrowings: 44.27 percentage points lower than in Q2 2026, at 8.00%. Within Arkansas, Relyance Bank is 51st of 78 on net interest margin, 3.94% as of Q3 2026. Relyance Bank reported 3.94% on net interest margin for Q3 2026, 0.15 points above the 3.79% median for banks in the $1B-10B asset tier.
Asset yields
Yield on loans changed the most here, up 0.16 points to 6.55% in Q3 2026 from 6.39% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.55% |
| Yield on securities | 3.23% |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 8.00% |
Spread and margin
Net interest margin moved most in this table, up 0.04 points: 3.90% in Q2 2026, 3.94% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.28% |
Interest income and expense
Largest change in this table: total interest expense, up 3.9% to $7.0M in Q3 2026 after $6.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $18.3M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $6.9M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.24% | 2.14% | 3.13% | 5.66% | 2.51% |
| Q1 2024 | 5.26% | 2.21% | 3.06% | 5.65% | 2.93% |
| Q2 2024 | 5.48% | 2.44% | 3.16% | 5.86% | 3.15% |
| Q3 2024 | 5.87% | 2.63% | 3.35% | 6.30% | 3.22% |
| Q4 2024 | 5.86% | 2.52% | 3.48% | 6.27% | 3.22% |
| Q1 2025 | 5.66% | 2.38% | 3.42% | 6.11% | 3.23% |
| Q2 2025 | 5.84% | 2.21% | 3.69% | 6.30% | 3.21% |
| Q3 2025 | 5.95% | 2.15% | 3.88% | 6.43% | 3.25% |
| Q4 2025 | 5.91% | 2.22% | 3.88% | 6.39% | 3.21% |
| Q1 2026 | 5.74% | 2.06% | 3.82% | 6.24% | 3.17% |
| Q2 2026 | 5.88% | 2.11% | 3.90% | 6.39% | 3.20% |
| Q3 2026 | 5.98% | 2.15% | 3.94% | 6.55% | 3.23% |
Relyance Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)