# RELIANCE BANK
DES PERES, MO · FDIC certificate 35123 · asset band $1-10B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.54B | |
| Deposits | $1.22B | |
| Loans and leases | $1.14B | |
| Total equity | $142.4M | |
| Loans / deposits | 92.37% (p60 of band) | 89.50% |
| Liquid assets / assets | 19.79% (p49 of band) | |
| Uninsured deposits / deposits | 32.61% (p64 of band) | 26.63% |
| Brokered deposits | 0.05% | |
| Wholesale funding | 10.12% (p60 of band) | |
| FHLB advances / assets | 9.06% | |
| Tier 1 leverage | 9.01% (p17 of band) | 10.25% |
| Unrealized securities loss / equity | -4.56% (p8 of band) | -0.59% |
| AOCI / equity | 2.59% (p91 of band) | |
| ROA (annualized) | 0.99% (p36 of band) | 1.16% |
| Net interest margin | 2.60% (p7 of band) | 3.61% |
| Efficiency ratio | 56.20% (p30 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.48% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 92% | |
| Construction % of loans | 93.55% (p90 of band) | |
| Auto loans | $299,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 161 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 | leverage <7% |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 7 | construction >100% equity |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 9 | losing money, expense ratio p90, charge-offs p90 | construction >100% equity |
| 2012-09 | 5 |  | noncurrent p90, reserve under noncurrent, leverage <7%, charge-offs p90 |
| 2012-12 | 4 |  | losing money |
| 2013-03 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 | capital falling | uninsured deposits leaving |
| 2013-12 | 3 |  |  |
| 2014-03 | 0 |  | expense ratio p90, charge-offs p90, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | expense ratio p90 |  |
| 2016-03 | 0 |  | expense ratio p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |

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

- 2026-07-17 [IT powers Indian shares to weekly gains; Reliance, bank earnings eyed - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNnowRUpiNzdHSGpjMHNqNFRYMy03M0FOeFg3TTQ1TmpCODEyQUo4U0NlSlFfRzg2TWZSTzhnd2JhblhtcDhDWERtUnFsVFpXNllIVTVBT1lndFRKV0tFRkNjSGE2NGdndWNSbHJ4UXdobWV2dHl3QU1TQ1JMQ21yaDBra2hySkE?oc=5) · Yahoo Finance Singapore
- 2023-11-06 [Clayton Evans promoted to senior VP and CRA officer at Reliance Bank - St. Louis American](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNcWJaOVZVX2NTZlNjRTduZ1VIZWtJTG9TOHFqMTZPMHdrb1I5T2s0UUhnWk04akY5aW9pUEI5NzhVVHBoRHNuZHMyYzRDTzdiaE5JZklhYkdEOGxSSUNtUERTNnNDYnJBc2RFbmttQzJITFVCRng4Q3AwX2tTakRLempkemJhRXpCVFhXQ2R0NUFGT0JzQk9hcWVmV2treW05MUlCRGRicUtxX19aMEtEYmE1LXZCTXhxRGZpeTU0dkRnekU?oc=5) · St. Louis American
- 2019-04-15 [Simmons First National Corp. completes merger with Reliance Bancshares of St. Louis - Talk Business & Politics](https://news.google.com/rss/articles/CBMitgFBVV95cUxPZjNZeUs0QjhZeEo2OXc5SE9QV0lOVzBxVlB5WVo5M0I2Y0RjTkZwdWttVlljR05lVGhEV21iUmFzUDdZRDl0RkFzRTE5MmdBd1pRbVd1d1ZreWpfc3pQRHg3TGR3a3BLOTUyWURvYVFzWjUtbWV1UXpVRWJVUExrRzFYcHRMbEdEc3JsYkQxSFlnVWNqNHJ4VmpNS3VCVXdKV3NXS1hHMWFNbmUwVWZRXzJqTGFIZw?oc=5) · Talk Business &amp; Politics
- 2019-04-15 [St. Louis bank sale closes, creating a $17.6B competitive force - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbUpLd0F6MUFQS0JzZmhOTXo3V3NFY1lyOXNnTnBfbVBSV3JYbHBEQVhaUE5nX1JkX2hORVJ2NXJMYVpYckNjS291dko5NjhxODcxSVJJeWdkU3FROVlUVE45R3NmTmJvcUdCMkc1WlFHVFZvWG0xNEtETXVZNnRzc0ZHVjlNWlVBenk3LUNtZFpkc3lvM0ZKVlRyYUlKeXBN?oc=5) · The Business Journals
- 2013-04-05 [Brouster leads $31 million recapitalization of Reliance Bancshares - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxNek16MXl3ZUNvMnE1NlNmNWVhMGdTNmxBVXF6V1BqdmM4Zmo0dEN3bzJ0dWFsQTR6VlNiT241WWk0UjZJbXNFWjJHVVUtOWppM2p2SHBIRVRQM3FFdTRVSkVvMHlOaE5Hc1VZQ1l2MVZueG5BTWRWYUxrNktGc2NmUEhOQVE1SFZZUGtGQ0RtQld4b3NrdzlVZUt3OUZEcU1QVEVSbjdJN0RtUjZnbkRzeE13ckktZHFhb0F6Zmd3?oc=5) · PR Newswire
- 2019-02-14 [Cash, Credit & Coffee: Reliance Bank - Ladue News](https://news.google.com/rss/articles/CBMixAFBVV95cUxPelZJOGRCZFlscXRENTdqazJVZHgyeURtX3phVFJTVE9uYUIxNzQ0N0pwLWlfWWVuYkl1NkNFQU5DTEpvSjdFUGMzYjJiYVRRemVrSVE5c2ltQkNwUEUtTGdCM3FBb2xsUnJtOEpoRUJ2M0lQWHkyMmJNSS1BX0NvMUR5VXVOVFdENmxWbUlaSXd2S1B2MFdoMnpMeFVwX3ZJdU5zb0gyRkVMWWt6SkZOdVVpV2tUeld1RWdLLTZ6YnVCNi1t?oc=5) · Ladue News
- 2019-03-21 [Police still searching for bank robber in O'Fallon, Mo. after Dardenne Elementary School lockdown - KSDK](https://news.google.com/rss/articles/CBMihAJBVV95cUxOcm1lRU1nMDlPNS1LNlJGU0NNV0dZVnp0XzdsU2lzR05qd05zZlZkdFRFT3c5UndMMjM3cUNZLTdBTUpzZ18xbGoxS2dOUjVRM0RuXzVpcUozdVNWT0ZuUzRIWWVPLTR6VU0yZkZJMmFLcjRrNlJ4THdBQkJMN0hLX251NVk2ZlZQRzJRMXhSQmh3cHlCbmttV0FVQ041bFhkeDU2QnkzeUhENUxjRWw2WWoza3ViQVcyRWJjV2cwMWJjdi1hSWNUOFB2U2FaVTZBck1nbkVUOV9jdzZUZTM5Z251elk2RWU1RzdiSU15cUlTQ2tmakxvelJYR3ZuNTEwY2ctag?oc=5) · KSDK
- 2016-11-21 [Police searching for Fenton, MO bank robbery suspect - FOX 2](https://news.google.com/rss/articles/CBMigwFBVV95cUxPN0llaUVHb0xneWx3dzg3Ym9XaVFjVzdDT0VBYWd6VWtzUER2SzE5WUtrTjduSk1yWjNtMFJHMDU3TWh4YkpqSGtYazBFVFo2TmhkSzE1cWVTRUk2UkpSUTdPNk1Gd2Vuak1SWkFHRnNKRGc0NFo4NmNhcjk3WENEWFo2VdIBiAFBVV95cUxQbzFURjduWVJfYnRGTDd2anY2VTdVVjJHZVVMN3FnZGFyV2FrUzRIbE5SV2lTRWJXQno1M1JoUDBRQ2tjM204RWN6bnc1cU9rcmhndTNOMGJMSndaa3BPOVBEakVGNF9nSjllTDhkcXVZODBiVUkzcEZWRGtGVTk1cVJRN3VZS08y?oc=5) · FOX 2

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35123 (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/51.json (key "35123", 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