Faribault, MN · Cert 58602 · Reliance Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.40% | 0.67% | 0.65% | 0.63% | 0.59% | 0.65% | 0.76% | +11 bps | |
| Return on Equity | 3.92% | 4.78% | 8.28% | 7.86% | 7.55% | 7.14% | 7.77% | 9.01% | +114 bps | |
| Net Interest Margin | 3.12% | 3.12% | 3.44% | 3.46% | 3.55% | 3.48% | 3.60% | 3.72% | +27 bps | |
| Efficiency Ratio | 83.18% | 82.32% | 75.97% | 72.50% | 72.39% | 71.86% | 76.18% | 73.15% | +66 bps | |
| Non-Interest Burden | 2.55% | 2.52% | 2.54% | 2.42% | 2.48% | 2.42% | 2.67% | 2.65% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.27% | 12.37% | 11.04% | 11.47% | 11.43% | 10.20% | 10.35% | 9.51% | -197 bps | |
| Loan Growth (YoY) | 1.88% | 3.48% | 0.72% | 1.27% | 7.31% | 5.55% | 3.52% | 4.88% | +361 bps | |
| Deposit Growth (YoY) | 6.67% | 10.91% | 9.28% | 9.89% | 6.94% | 13.29% | 7.86% | 9.38% | -51 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.02% | 0.95% | 1.21% | 1.28% | 1.30% | 0.27% | 0.26% | 0.25% | -103 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.15% | 0.00% | 0.00% | 0.09% | 0.77% | 0.03% | 0.01% | +1 bps | |
| Allowance / Loans | 1.65% | 1.59% | 1.59% | 1.75% | 1.74% | 1.20% | 1.24% | 1.28% | -47 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 1.3x | 1.4x | 1.3x | 4.4x | 4.8x | 5.0x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 9.07% | 9.02% | 8.92% | 9.01% | 8.74% | 8.78% | 8.98% | +6 bps | |
| Total Risk-Based Capital | 9.08% | 9.07% | 9.02% | 8.92% | 9.01% | 8.74% | 8.78% | 13.03% | +411 bps | |
| Equity / Assets | 8.47% | 8.06% | 8.23% | 8.36% | 8.46% | 8.50% | 8.18% | 8.52% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.62% | 96.91% | 93.58% | 90.68% | 95.95% | 90.30% | 89.82% | 86.95% | -373 bps | |
| Liquid Assets / Assets | 3.22% | 2.59% | 2.33% | 1.89% | 1.30% | 1.24% | 1.14% | 1.00% | -89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 234% | 233% | n/a | n/a | |