# RELYANCE BANK
WHITE HALL, AR · FDIC certificate 19371 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.43B | |
| Deposits | $1.22B | |
| Loans and leases | $1.13B | |
| Total equity | $194.4M | |
| Loans / deposits | 91.81% (p65 of band) | 87.10% |
| Liquid assets / assets | 13.61% (p17 of band) | |
| Uninsured deposits / deposits | 41.07% (p76 of band) | 30.76% |
| Brokered deposits | 1.40% | |
| Wholesale funding | 1.64% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.27% (p86 of band) | 10.50% |
| Unrealized securities loss / equity | -5.83% (p59 of band) | -7.75% |
| AOCI / equity | -0.15% (p61 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.26% |
| Net interest margin | 3.92% (p64 of band) | 3.70% |
| Efficiency ratio | 61.38% (p58 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p47 of band) | |
| Reserve coverage of noncurrent | 308.81% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 39.84% (p42 of band) | |
| Auto loans | $371,000 (0.03% of loans; DQ 1.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -8.1% | |
| Employees | 204 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | brokered >10% |  |
| 2011-06 | 2 | wholesale funding >15%, reserve under noncurrent | brokered >10% |
| 2011-09 | 2 | capital falling | wholesale funding >15% |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 2 | wholesale funding >15%, capital falling |  |
| 2014-12 | 0 |  | wholesale funding >15%, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | brokered >10% |  |
| 2015-09 | 1 | capital falling | brokered >10% |
| 2015-12 | 1 | reserve under noncurrent | capital falling |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 3 | reserve under noncurrent | wholesale funding >15% |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 3 | loans exceed deposits, wholesale funding >15% | brokered >10% |
| 2017-09 | 5 | brokered >10%, capital falling |  |
| 2017-12 | 3 |  | loans exceed deposits, capital falling |
| 2018-03 | 2 | charge-offs p90 | wholesale funding >15%, brokered >10% |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 | capital falling | reserve under noncurrent |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 3 | capital falling, charge-offs p90 |  |
| 2020-12 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | capital falling | uninsured deposits leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | capital falling, deposits shrinking |  |
| 2025-03 | 0 |  | capital falling, deposits shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-16 [Relyance Bank warns of surging impostor scams, fraudsters visiting customers' homes - KATV](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdzZhVVo4aWFaWk9zVjIzdnFLS1BLdVA1QkFrRUJjLU1MVk9pVEFqaEgxakdHc0hHdDVuM3BqQk5HN2J3U2M0QlMtWmRxN29JdURxZ2RMeWNGWWE1SlZzNGJRc0V5UTQxQjZMWl9na0Q0R0NKSWRUbXA3M2ktWGZiWTZ2ZTl2Z2trekZCaWlLcHNhS3QyOEFTRDR4QVdOMnVHcGtHWkRHbVY1OVF1T0E?oc=5) · KATV
- 2026-05-18 [Relyance Bank Seeks to Restore Personal Guarantees in Moses Fraud Suit - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeTJWSzRVdjdWSUdxTzltVEp4UlVaR1FHdk5FN1Z0VEVzVHFIQ3dSanMzYVlSWUZtcFhwYUVPRlJIQ09VX3Z5anZFNE1XX3JXWUt5Zm5EN3pGd19acHc3NDZVaUZlYTlZeGtiTGcyM2ZmdmkybFZOM3RMZTljLW9naW5WVjczTC10bHB4WWpRTTZ2WkU1dkVtUUJ3YkJEVVJnQ2c?oc=5) · Arkansas Business
- 2025-08-19 [UA Little Rock Adds New Corporate Partnerships to Portfolio - ualr.edu](https://news.google.com/rss/articles/CBMiakFVX3lxTE9hYXZmcmxzc1BBQzdtLVhEQm1iWFJVblhmMHVtcVZWdnp4UEhyRFlEa1I3NmtQaGx5MFAwSmVKS3pfWk0xTFk5T2NaVXZvUGR5VmJDcFFUZm1QX0FFMWtnNVkwR1p6bks4U1E?oc=5) · ualr.edu
- 2022-07-06 [Relyance Bank opens its doors - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMifkFVX3lxTE9Dc1V6M25TQlBiVUcxbGtxZ3ItS1VmRDNJNlVNd2pveW5sNGRfUjhXUnRvS0ktUktxWU9qR1dCbGRCbTAzTjNNY3NpNkZGOTExSlUtekNmcDFGLUNDV2xzb0ZnbTdvY0c1MUVGMU50cWtJRDkwRWdHRDRyRXVjUQ?oc=5) · Northwest Arkansas Democrat-Gazette
- 2019-01-18 [29th Annual Relyance Bank AR Big Buck Classic Returns to State Fair Grounds - KARK](https://news.google.com/rss/articles/CBMipAFBVV95cUxNajhMMVRvZnlQdzZSelNDeDNuSWozM2hNNWFEakVTYm9QOXRlbjczREJqYlNqd1M0emEycUY4RjJoZnJTSUwybUxfX01BbVFUTy1RcTJoZkl0YkVxZ21yd3RKY011VVVOd3UxdFh1TXVqeC0zVHQ2dXNHM182a1g2RkMxSi14SzZaNzViY2JRaVJOcVZCQ0hpcVVCQ2tvalRXNDBhMA?oc=5) · KARK
- 2022-06-29 [Relyance Bank sets opening of new headquarters in White Hall - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZWdLbk40UVItUldZT290bVdjUER0OU94SUJWOHgxc28tXzFQbVUzbFJabmFwMXRHWHp5V1pvMG9UdVhmTXZLTHJvSkdTdFc1bWxYOWtZcUQ5YmE2cG1nZy1GS1lDRUlMNE8wXzZtV3BySUZJUndYRDU3Y1pGenZGUA?oc=5) · The Arkansas Democrat-Gazette
- 2024-01-17 [2024 AMP Influencers of the Year: Russ Martin - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMickFVX3lxTE1ZWVVUNmFiUXBmUXlIVDBmdU1ENWtESUJhampvbU45ZVQxSnV1MFlfWDFrWjhiQllaWVItRGRTbzQ0SzllOS1vWUlfYjVqVmd5RWU2T0tLUDhnQ2VjT3g5MDkxXzFuMmVUTXJzMDZ0NDc1dw?oc=5) · Arkansas Money & Politics
- 2024-04-15 [Relyance Bank Set to Build Benton Office - Arkansas Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNDJjYWdsRnBLSzZIRFVhSGNCSGNENXdLRkNhZjd4RkUxejZJMkk1bFNFVW93b05IajM5ZGRyLWttZGtWRXJDSm1WTkd0eHoxaURrSDNrZk9jc0RjQ2UwLUNYV2xYbXZRWE80VGZBQS14VTRCSWdfRjh1N0N6T3FCX0tqb1dlbFdJVkE?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19371 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "19371", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide