Reliance Bank
Faribault, MN · Cert 58602 · Peer group: banks under $1B in assets in MN (n=112-114) · Reliance Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$334.1MAssets
$244.9MLoans
$281.6MDeposits
$28.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of banks under $1B in assets in MN (rank 40 of 112).
- Widest gap: efficiency ratio trails 83% of banks under $1B in assets in MN (rank 96 of 114).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.75%
Rank 94 of 114
Net Interest Margin
3.72%
Rank 70 of 114
Efficiency Ratio
73.15%
Rank 96 of 114
Equity / Assets
8.52%
Rank 86 of 114
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 17% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.87% | 1.20% | 1.41% | Beats 18% | 94 / 114 | | |
| Return on Equity | 8.77% | 8.92% | 11.27% | 13.99% | Beats 23% | 88 / 114 | | |
| Net Interest Margin | 3.72% | 3.39% | 3.88% | 4.31% | Beats 39% | 70 / 114 | | |
| Efficiency Ratio | 73.15% | 54.13% | 61.64% | 69.86% | Beats 17% | 96 / 114 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.58% | 1.82% | Beats 65% | 40 / 112 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 44% | 64 / 112 | | |
| Capital |
| Tier 1 Capital Ratio | 11.79% | 11.46% | 13.31% | 18.13% | Beats 30% | 80 / 114 | | |
| Total Risk-Based Capital Ratio | 13.03% | 12.01% | 14.43% | 19.39% | Beats 38% | 71 / 114 | | |
| Equity / Assets | 8.52% | 8.52% | 10.22% | 11.94% | Beats 25% | 86 / 114 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.95% | 62.85% | 77.32% | 88.06% | 73rd pctl | 30 / 112 | | |
| Loans / Assets | 73.29% | 55.01% | 66.35% | 75.50% | 63rd pctl | 42 / 114 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |