| Metric | Reliance State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +4.4% | -10.3 pts |
| Deposit growth (YoY) | -2.9% | +4.0% | -6.8 pts |
| Loan growth (YoY) | -5.2% | +5.6% | -10.7 pts |
| ROA | 0.82% | 1.24% | -0.4 pts |
| ROE | 8.3% | 11.9% | -3.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $276.8M | $234.7M | $188.7M | $28.5M | $1.2M | 0.82% | 2.99% | 2.04% |
| Q1 2026 | $284.1M | $246.7M | $191.2M | $28.0M | $635K | 0.89% | 2.92% | 2.19% |
| Q4 2025 | $284.9M | $244.4M | $192.0M | $28.1M | $2.5M | 0.84% | 2.81% | 1.02% |
| Q3 2025 | $289.7M | $245.7M | $197.2M | $27.7M | $1.8M | 0.81% | 2.75% | 1.05% |
| Q2 2025 | $294.3M | $241.6M | $199.0M | $26.4M | $1.0M | 0.67% | 2.65% | 1.86% |
| Q1 2025 | $299.1M | $250.7M | $203.5M | $26.0M | $755K | 1.00% | 2.70% | 0.45% |
| Q4 2024 | $307.5M | $238.6M | $206.2M | $24.9M | $1.9M | 0.61% | 2.27% | 0.54% |
| Q3 2024 | $302.3M | $233.9M | $199.7M | $25.9M | $1.3M | 0.56% | 2.24% | 0.55% |
Loan mix (Q2 2026): real estate $128.4M · commercial $17.2M · consumer $1.2M · securities $73.3M
| Ratio | Reliance State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 39th |
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 State 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 State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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