# RELIANCE BANK
ATHENS, AL · FDIC certificate 34866 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $201.1M | |
| Deposits | $168.1M | |
| Loans and leases | $123.9M | |
| Total equity | $20.6M | |
| Loans / deposits | 72.92% (p49 of band) | 73.48% |
| Liquid assets / assets | 33.32% (p53 of band) | |
| Uninsured deposits / deposits | 26.15% (p85 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.97% (p71 of band) | |
| FHLB advances / assets | 5.97% | |
| Tier 1 leverage | 9.93% (p33 of band) | 10.87% |
| Unrealized securities loss / equity | -3.53% (p13 of band) | -0.29% |
| AOCI / equity | 1.18% (p83 of band) | |
| ROA (annualized) | 1.33% (p78 of band) | 0.83% |
| Net interest margin | 3.33% (p32 of band) | 3.63% |
| Efficiency ratio | 75.39% (p59 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.63% |
| Net charge-offs (annualized) | -0.01% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 109.69% (p96 of band) | |
| Auto loans | $129,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.7% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | construction >100% equity |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | construction >100% equity |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, construction >100% equity |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |

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

- 2026-06-24 [Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Sign Definitive Merger Agreement to Create Transformational Southeast Banking Partnership - Business Wire](https://news.google.com/rss/articles/CBMiqgJBVV95cUxPRV9xS3lxeUJpM3hOUmpoaEE3NEZUcFBQakRfT21ReXFPOC1HUHZOSDZ6bmlaclpWczZiSTMtbHhmQmNMQVozSmk2Z3FUUGp5U0kyUVhVX0RLYk9HU0xSQi1fLUdpdlBqbng3aDVpMnk0OEdkRXBIaUx2blFmMGRSWGNvSGdmN1BjWHdua080UHVyUl90am9XTmpKdndvR3hFTFdENTZNLUx3NUV0VmNqNXpvV3B6bDN2VkRwOVBnVjZJZ2VIYmVnekhiLVRrZ2w4dWpRRWNaUmgySUZpeEU0cnB2ZDNydGFsekZWWnhRbHZjWHZxaXprS2UzejdtVzhmTFpHQUQzRFhHRWduSXlHSEkxQ1Q1T0ZnWVMxcE50QWNMNnowNTdEQnhR?oc=5) · Business Wire
- 2026-06-26 [Two Southeast banks to merge in $163M deal - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdnVFcU9uSTNncEtPV3o5dUpuc21hOFI3N1BYVURNa0wtVkNTMlhzaC14cEpuUU0xM2p4d2ItLXpYcnpETEdIN1laTzZpQkR4UldiVGpDUEFCaFY1ODNHemJ3U3dHb1M3TDdBaE9zTGNOaHhHVHJCek1DbnVNcWRWOHNn?oc=5) · Banking Dive
- 2026-06-29 [Colony Bankcorp Agrees $163m First Reliance Deal - Banking Exchange](https://news.google.com/rss/articles/CBMiogFBVV95cUxPV2NOV3k4UUl4akJmVGVvOG80S3lGSmxjOEpYX3BzS0pFSmFSdDg2V2Z3aE45bjhhMWIxcm5VWl9sYWVLRTVNLVNmOTlSbjBfdnVlUGpIQ094VkdoSktMdnoxME5pMlM2Wk96REhFY2EzQ0o0Mkd4ZlBxNE1KU1Nfc1d2MFhwVUd0VXRZLWUzb0hsZm9lT0J0Ml81N09wQUNyOXc?oc=5) · Banking Exchange
- 2017-04-10 [Trustmark Corporation completes purchase of Reliance Bank - WLBT](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWWtMR2xBRjZZMUd3cmlQc0RLQ3NiY0FLUTB1RGJBVU8wQktZYTBCR2hZT1JBOGZ0U0lFa09VU0JMTUhjdU1zcTJwYXR6OXZfOEV1UDduajEtSktBdDB1em54bHE0Skg3dERFbFlGQkE5T21aalBLS0dzUkEyTTJQOEY4MFdlUXZ6Rk9DSXpZMmVVUTJxMWtqRDlR?oc=5) · WLBT
- 2017-04-10 [Mississippi-Based Trustmark Closes Purchase of Alabama Bank - Mississippi Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxOYUJhN3VfSTl4TlpiQ25oeEtRT2FTVHJOSm43aW9EMFVXeHo1QjRoZ2FJQXBaTTVzNlczY3doRURSVEJoRUtiamRZNHNjSllKRW5lS3l3UXdneEh0YzR0NDhFS0VUc2JZRzROZGRFTkMxRzd6c3gydGNXbm50cDhydDdoczlzM2xpblZ6a0RlR05JcjJ1RW9meUhCTXdOQQ?oc=5) · Mississippi Free Press
- 2016-11-17 [Trustmark CEO says bank looking for 'the right opportunity' for expansion - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOY2V2bFVkLVlVUDNITGhFSzNtOWFaWExzaExTa3ctMWZvN2VkMm1Tc01yaHl6QnNXZ0loTk9Qazl2QV9LcmlBWm96VGVBOU5JRUVBUXNaSXE2QzZMOUdVMFZwUnZrZDNvcVNGUzByOWx6bkp6UTUzdjg3VVFmZWV6UkYyTk5YeG9zWFdwY0MxQi1Eby01WVRoUmRHRDBvNkRLajU2UQ?oc=5) · The Business Journals
- 2009-04-29 [Suspect arrested in bank robbery after pursuit - WAFF](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSkVqM211XzV4NWt3LWJsLVJvM0RGNW5RLWlvTm53RHREcUxGekkyczlIZGN6bUIydmZFZG5GWndya3JyeDhfc1ZoczBBQklmY3ZrS2VTWV9lVTczcXNrVGZwMC01eXY3OEM5TnZiaUxzUUFaZEx3ZHE1ZU1jTjJhX1h5THZBd2s0UHJv0gGeAUFVX3lxTE53SWUtU0stdFV5VmhtSE5ZTjNIT3V3RGdjU2NKTlF5ZUlzdHplQmRoM3RnV1R5Q0lFcmNyTlRkUl9NM3o2Zm9WaEcwLWRUb2dSdXpMbVFudE5IUGpMeE1pbGFlMnFINlphbWVMUVFvSFo5SlhFZ0ZET09MYUQ4RjdVOEtZU05Kd0RDbUhXbUJlM1paT2tUVm1jZFlzdExn?oc=5) · WAFF
- 2016-11-14 [Trustmark announces $26 million merger - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPalZNNmJ6RklELUFMaW9GVmJwQldmdHBaNEVzOXJ5NkdXOFRfQXh0QTR4U0lROVhUeWpKSDY2YjVXSlQzUDZ5Y2tTWk5ZcUxlRmRSa0M0RUNMbUV0M0ZzQ0RuUEttWVd5aUxpcF92c1dDbm13cnJHYVJ1RjJrNmNGZDhqWDQ3MlVENS0wX29fYUYtdy1HVGl0Rnhn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34866 (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/50.json (key "34866", 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