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Relyance Bank
White Hall, AR · FDIC Certificate #19371 · Chartered 02/1
Total assets
$1.43B
Total deposits
$1.22B
Total equity
$194.37M
Net loans
$1.12B
Branches (offices)
21
Net income (YTD)
$8.90M
Rank: #773 of 4,213 U.S. banks by assets · #17 of 78 in Arkansas. Assets changed -5.9% and deposits -8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 9.32% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 13.57% |
| Tier 1 leverage ratio | 13.27% |
| Uninsured deposits (share of deposits) | 41.1% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 91.8% |
| Real estate loans (share of loans) | 74.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $832.33M | 74.5% | |
| Commercial & industrial | $213.12M | 19.1% | |
| Consumer / individual | $3.30M | 0.3% | |
| Construction & development | $77.43M | 6.9% | |
| Agricultural | $80.36M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.18B | $1.02B | $5.85M | $144.72M |
| Jun 2023 | $1.25B | $1.05B | $6.33M | $145.87M |
| Jun 2024 | $1.38B | $1.20B | $6.34M | $161.13M |
| Jun 2025 | $1.52B | $1.32B | $9.00M | $178.97M |
| Jun 2026 | $1.43B | $1.22B | $8.90M | $194.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.22B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
Washington Financial Bank ($1.44B) · Gbank ($1.43B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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