| Metric | Reliance Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.9 pts |
| ROA | 0.30% | 1.28% | -1.0 pts |
| ROE | 2.5% | 12.4% | -9.9 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $648.9M | $511.7M | $498.2M | $78.9M | $977K | 0.30% | 3.45% | 0.21% |
| Q1 2026 | $663.1M | $520.6M | $484.9M | $77.8M | $-186K | -0.11% | 3.35% | 0.15% |
| Q4 2025 | $674.1M | $530.5M | $478.0M | $78.0M | $3.2M | 0.49% | 3.22% | 0.24% |
| Q3 2025 | $648.1M | $502.8M | $476.4M | $75.6M | $1.5M | 0.31% | 3.20% | 0.51% |
| Q2 2025 | $640.5M | $499.8M | $469.0M | $74.4M | $1.1M | 0.34% | 3.12% | 0.57% |
| Q1 2025 | $652.5M | $519.0M | $466.4M | $73.1M | $752K | 0.46% | 3.01% | 0.97% |
| Q4 2024 | $665.9M | $536.3M | $452.6M | $70.9M | $1.6M | 0.25% | 2.67% | 1.15% |
| Q3 2024 | $654.9M | $521.1M | $442.2M | $72.2M | $1.6M | 0.32% | 2.64% | 0.71% |
Loan mix (Q2 2026): real estate $460.1M · commercial $20.8M · consumer $5.0M · securities $102.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Reliance Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 61.2% | 95th |
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 Savings 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 Savings 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 Savings 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 Savings 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.