| Metric | Reliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.4% | +5.1 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.4 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $334.1M | $281.6M | $241.7M | $28.5M | $1.4M | 0.84% | 3.88% | 0.24% |
| Q1 2026 | $331.2M | $272.7M | $241.9M | $27.1M | $575K | 0.70% | 3.74% | 0.23% |
| Q4 2025 | $324.6M | $273.8M | $244.3M | $27.6M | $2.2M | 0.72% | 3.81% | 0.25% |
| Q3 2025 | $316.5M | $253.0M | $238.5M | $26.8M | $1.6M | 0.68% | 3.74% | 1.00% |
| Q2 2025 | $305.1M | $257.5M | $229.4M | $25.5M | $1.1M | 0.71% | 3.64% | 0.98% |
| Q1 2025 | $300.1M | $252.8M | $232.9M | $24.7M | $555K | 0.75% | 3.55% | 0.95% |
| Q4 2024 | $294.6M | $241.7M | $230.5M | $23.7M | $1.2M | 0.44% | 3.38% | 0.76% |
| Q3 2024 | $284.0M | $236.6M | $222.5M | $24.0M | $702K | 0.34% | 3.34% | 0.81% |
Loan mix (Q2 2026): real estate $118.9M · commercial $99.3M · consumer $3.5M · securities $78.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Reliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.