Reliance State Bank
Story City, IA · Cert 9299 · Peer group: banks under $1B in assets in IA (n=134-135) · Ames National Corp.
State charter, non-member · FDIC · 5 affiliate banks · 2 branches (19 in holding)
Q2 2026
$276.8MAssets
$191.4MLoans
$234.7MDeposits
$28.5MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 52% of banks under $1B in assets in IA (rank 65 of 135).
- Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in IA (rank 126 of 134).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.84%
Rank 109 of 135
Net Interest Margin
2.85%
Rank 107 of 135
Efficiency Ratio
59.29%
Rank 82 of 135
Equity / Assets
10.29%
Rank 86 of 135
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 40% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.92% | 1.19% | 1.47% | Beats 19% | 109 / 135 | | |
| Return on Equity | 8.17% | 7.99% | 10.26% | 13.14% | Beats 27% | 99 / 135 | | |
| Net Interest Margin | 2.85% | 2.95% | 3.41% | 3.73% | Beats 21% | 107 / 135 | | |
| Efficiency Ratio | 59.29% | 50.61% | 57.35% | 63.29% | Beats 40% | 82 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.95% | 0.03% | 0.51% | 1.26% | Beats 7% | 126 / 134 | | |
| Net Charge-Offs / Loans | 0.15% | n/a | 0.01% | 0.03% | Beats 9% | 123 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.23% | 13.31% | 15.45% | Beats 44% | 76 / 135 | | |
| Total Risk-Based Capital Ratio | 14.12% | 11.61% | 14.06% | 16.47% | Beats 52% | 65 / 135 | | |
| Equity / Assets | 10.29% | 9.87% | 11.05% | 13.07% | Beats 36% | 86 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.55% | 68.54% | 81.55% | 91.24% | 50th pctl | 67 / 134 | | |
| Loans / Assets | 69.14% | 57.61% | 68.06% | 76.23% | 54th pctl | 62 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |