# RELIANT BANK
BRENTWOOD, TN · FDIC certificate 58366 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $3.00B | |
| Deposits | $2.51B | |
| Loans and leases | $2.46B | |
| Total equity | $426.0M | |
| Loans / deposits | 97.14% (p92 of band) | 73.47% |
| Liquid assets / assets | 10.27% (p2 of band) | |
| Uninsured deposits / deposits | 49.68% (p80 of band) | 33.32% |
| Brokered deposits | 6.21% | |
| Wholesale funding | 7.11% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.17% (p87 of band) | 9.53% |
| Unrealized securities loss / equity | 2.50% (p89 of band) | -0.38% |
| AOCI / equity | 0.16% (p94 of band) | |
| ROA (annualized) | 1.90% (p89 of band) | 1.21% |
| Net interest margin | 4.43% (p95 of band) | 3.23% |
| Efficiency ratio | 55.06% (p31 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.34% |
| Net charge-offs (annualized) | 0.03% (p66 of band) | |
| Reserve coverage of noncurrent | 437.56% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 96.22% (p90 of band) | |
| Auto loans | $1.9M (0.08% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $3.6M (1% of equity) (p80 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 389 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | wholesale funding >15% |  |
| 2015-03 | 4 | brokered >10% |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 2 |  | loans exceed deposits, capital falling |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2017-03 | 4 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2017-06 | 4 | construction >100% equity | charge-offs p90 |
| 2017-09 | 0 |  | brokered >10%, wholesale funding >15%, capital falling, construction >100% equity |
| 2017-12 | 1 | wholesale funding >15% |  |
| 2018-03 | 1 | capital falling | wholesale funding >15% |
| 2018-06 | 2 | uninsured deposits >50% |  |
| 2018-09 | 2 | run vulnerability | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | brokered >10% |  |
| 2019-12 | 4 | construction >100% equity | capital falling |
| 2020-03 | 0 |  | uninsured deposits >50%, run vulnerability, brokered >10%, construction >100% equity |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |

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

- 2021-07-14 [United Community Bank acquires Tennessee’s Reliant Bank in $517M deal - upstate business journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPTDZDZXJyblJQdHdOdGJlLWlfZE1mc3drVFNEZDhsQkxxZE00WEpPcjZFX09jUmRsVG9hSnRfaVA3ckk5YkhLOVV3NnlTMUFWd1R3RldYVFZZUUhFSUxTOWt2RC1ZLURmSDBBSFlzc1Z5YXplcExYa0RQSElPRVRCLS1oNTR5dFZhN1lNaEV4RTd2SU1WS1pBZDFEeE5BUUFUZjlBU1gyX003NGd1dmVCbG52bjcwRkZu?oc=5) · upstate business journal
- 2020-10-29 [Reliant Bank named best small bank in Tennessee by Newsweek - Williamson Herald](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNbkR3WmlBWGU0MnQ1TFNHVEtYRExRdTFiUkl4Q2tZUHB4aEJCLVlqQUhRa2tKb0d5Z0VVRDl6aTlvM3dmZV80ZE5jUTZsVm1WdTctdm0zVkkxVDkxVXJNY3docGJxTUk2bThETmJUWjBKTmR6SVZtc0ZQZVN4dmVjSDFMTFFCSkVBSnJ4Qno3WW0yWUpqNlNBZ0FyNFN4cFFzcVl2Q2FtUE1fTmZUX1I5SlZMeFJnNFpKemRBc0NUTDRVUkdHN2R2VHZqbnByeFU5R1pzR0c4dHNENVdUNTdDWWJWQ1VMQQ?oc=5) · Williamson Herald
- 2019-10-25 [Reliant to acquire Clarksville's First Advantage Bank - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMizwFBVV95cUxNQnVuUC16YllJVU5mbks1UUZMbmJUSTJGcmJubE44dFN2QXBwVUp3Y1ZZemgzMkZ5S0NaTzhtYjl3VzRFaWZuSEJQV2wydzdPRG1tdjBXcGNUNU80eDB5Y3NKUElrR0hleHpscWpNb2cxcDNERnplNXlHZ0x6TmlFakFpNVNMZGpIMmlENGp1azhWblZ0UmZ0enZRQjkxd1A2N2Z5VDFOcmF0YV9ISS15MU9YZVZPOVJPd1R5RE9UZEhBVGNzdVpWOFRseVJmNnM?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2019-10-23 [First Advantage Bank announces merger with Reliant Bank - Clarksville Now](https://news.google.com/rss/articles/CBMikwFBVV95cUxQck84MmhFd2M2Wm1LR0p0bHp1U0ZEVllYQ0RoV1E0U3Y4cmZnWTM5M2pxU1N5dllnbTQ4LVdVV2JzVk1NZXdpR1dna21uSDZTSS0xWFJIVHNqSGxBRzZFNG9zaDQtMXM3UlhZWWp0a1VpNHdGSkxrdDdPM01nbkhMV0hFTWNvclA1SlBpR0lxTjFhc28?oc=5) · Clarksville Now
- 2017-08-24 [Community First to merge with Reliant Bank - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOUjJINGRqdDVQZnhWal9paVhyWTRMWmxZbVFkdFFnVE1MRzduRzRRTVUzY2c1YXJxN25GMWJfS1ZrX1pRZTk5Y0IzVDhMYWhJRUlyYnhZNWczX2RadjV1aWFIMk52Vzl3NHNfNGxObUVHbkpHZG9hdDd1SnN4RmJGTlBrR01uaEV6ZWl2anVOZFgyWmwxY29ZVTVydDFRNGtBLXc?oc=5) · columbiadailyherald.com
- 2022-08-08 [Exclusive: Two Reliant Bank founders launch Brentwood-based Sonata Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeU1PMkRDNm1FWlhPSHFxV0dfRW1fYmN5REl5eHdudHNBRm1UU0p4TmFjNUdhUGNVbGtLSTVwWkkzaGpCVnFBbDJLQmRZQTdhQUlrWTlHMV9zd1RTeE1zaXIzbWx6SVdBYUs1azQ5LXNyamdzWkZpZHJjUW5hNFNkLVJrdUdFT00xZVBsVi0ydVY1ZGpacE5fcUVYR083Zmc5eWhzcnZn?oc=5) · The Business Journals
- 2022-06-23 [Devan Dumas Ard, Jr. Obituary Jun 23, 2022 - Harpeth Hills Memory Gardens, Funeral Home & Cremation](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBLREJZbU04S0Y1NkRjcE9rbFAtb0lfOF80R3RFUTl5aV9uOHR5UkhfWW40ZlZjZjJkdUk5d2hEa0pRQVBpQlhra3JDaGw4WTBZcWVmZktTWGhhOHVMSmo0eEVQRGpiSVE?oc=5) · Harpeth Hills Memory Gardens, Funeral Home & Cremation
- 2022-01-03 [United Community Banks Merge with Reliant Bancorp and Reliant Bank - citybiz](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPOWVXUHk5d2VFZGZ2Ujh6cHpMZ05fOV9OLTE4VEg4eTQwM0Y2Mnp1dE9sdWxJblo4cGdCQy1mNUdUUnJ6Q2JJSGEwbmdHYmFJTVpuVkdPOEJhclZndm5fcFJqTkU4dUh1dTRIOTNnRHAyaXJzeG1hQ0J1azEwbVg0eFVRbDRMeFp1ejV4YWpSSUp0OEc1blViaUtuTy1wRWtiZGRkR2pfekM?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58366 (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/62.json (key "58366", 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