Relyance Bank
Total assets
$1.43B
▼ -5.9% YoY
Deposits
$1.22B
▼ -8.1% YoY
Loans
$1.12B
▼ -3.6% YoY
Offices
21
JEFFERSON BANCSHARES INC
ROA (annualized)
1.21%
peers 1.26%
ROE (annualized)
9.32%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Relyance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +5.5% | -11.4 pts |
| Deposit growth (YoY) | -8.1% | +5.1% | -13.1 pts |
| Loan growth (YoY) | -3.6% | +5.9% | -9.5 pts |
| ROA | 1.21% | 1.26% | -0.0 pts |
| ROE | 9.3% | 12.2% | -2.8 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
Profile
- Established
- 1965
- Charter
- State
- Primary regulator
- FED
- Holding company
- JEFFERSON BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 8500 Sheridan Rd, White Hall, AR, 71602
- County
- Jefferson
- Metro area
- Pine Bluff, AR
- Offices
- 21
- FDIC cert #
- 19371
- RSSD ID
- 49241
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.43B | $1.22B | $1.12B | $194.4M | $8.9M | 1.21% | 3.92% | 0.38% |
| Q1 2026 | $1.48B | $1.27B | $1.10B | $189.5M | $4.2M | 1.15% | 3.82% | 0.42% |
| Q4 2025 | $1.49B | $1.28B | $1.14B | $188.8M | $18.3M | 1.23% | 3.77% | 0.36% |
| Q3 2025 | $1.49B | $1.28B | $1.16B | $183.7M | $14.3M | 1.28% | 3.70% | 0.36% |
| Q2 2025 | $1.52B | $1.32B | $1.16B | $179.0M | $9.0M | 1.21% | 3.55% | 0.19% |
| Q1 2025 | $1.50B | $1.29B | $1.09B | $173.8M | $4.1M | 1.11% | 3.43% | 0.29% |
| Q4 2024 | $1.45B | $1.26B | $1.14B | $167.9M | $14.5M | 1.01% | 3.27% | 0.32% |
| Q3 2024 | $1.45B | $1.22B | $1.14B | $166.8M | $10.6M | 0.99% | 3.18% | 0.01% |
Loan mix (Q2 2026): real estate $832.3M · commercial $213.1M · consumer $3.3M · securities $139.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Relyance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.2% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.70% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 59.0% | 58th | |
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% |
Balance sheet
| Ratio | Relyance 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% |
Capital
| Ratio | Relyance 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% |
Credit quality
| Ratio | Relyance 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% |
Franchise
| Ratio | Relyance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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