Relyance Bank
White Hall, AR · Cert 19371 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Jefferson Bancshares Inc.
State charter, Fed member · FED · 21 branches
Q2 2026
$1.4BAssets
$1.1BLoans
$1.2BDeposits
$194.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 89% of banks $1B-$10B in assets operating in a single state (rank 29 of 258).
- Widest gap: return on equity trails 76% of banks $1B-$10B in assets operating in a single state (rank 196 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.24%
Rank 127 of 258
Net Interest Margin
3.56%
Rank 116 of 258
Efficiency Ratio
61.58%
Rank 143 of 257
Equity / Assets
13.57%
Rank 29 of 258
Non-interest income vs. expense
Unfavorable gap of $28.7M · efficiency ratio beats 45% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.93% | 1.23% | 1.54% | Beats 51% | 127 / 258 | |
| Return on Equity | 9.16% | 9.26% | 11.84% | 14.74% | Beats 24% | 196 / 258 | |
| Net Interest Margin | 3.56% | 3.16% | 3.49% | 3.88% | Beats 55% | 116 / 258 | |
| Efficiency Ratio | 61.58% | 51.71% | 60.30% | 69.65% | Beats 45% | 143 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.19% | 0.46% | 0.90% | Beats 56% | 115 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 51% | 127 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.69% | 11.41% | 12.98% | 15.12% | Beats 72% | 71 / 258 | |
| Total Risk-Based Capital Ratio | 15.77% | 12.10% | 13.91% | 16.08% | Beats 72% | 71 / 258 | |
| Equity / Assets | 13.57% | 9.09% | 10.24% | 11.72% | Beats 89% | 29 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 92.94% | 73.24% | 86.34% | 95.95% | 69th pctl | 81 / 258 | |
| Loans / Assets | 79.01% | 63.01% | 72.27% | 78.40% | 77th pctl | 60 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |