# RELIANCE STATE BANK
STORY CITY, IA · FDIC certificate 9299 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $276.8M | |
| Deposits | $234.7M | |
| Loans and leases | $191.4M | |
| Total equity | $28.5M | |
| Loans / deposits | 80.41% (p63 of band) | 73.59% |
| Liquid assets / assets | 28.15% (p39 of band) | |
| Uninsured deposits / deposits | 20.25% (p52 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.44% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.72% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -14.91% (p30 of band) | -6.57% |
| AOCI / equity | -0.07% (p65 of band) | |
| ROA (annualized) | 0.82% (p31 of band) | 1.17% |
| Net interest margin | 2.99% (p12 of band) | 3.93% |
| Efficiency ratio | 59.29% (p33 of band) | |
| Noncurrent loans | 2.95% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | 0.15% (p90 of band) | |
| Reserve coverage of noncurrent | 47.20% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 15.08% (p47 of band) | |
| Auto loans | $997,000 (0.52% of loans; DQ 1.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 2 | noncurrent p90 |  |
| 2020-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 0 |  | charge-offs p90, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | NIM <2.5%, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  | charge-offs p90, uninsured deposits leaving |
| 2023-12 | 3 | capital falling | deposits shrinking |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 0 |  | NIM <2.5%, securities losses >30% of equity |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 2 | assets shrinking |  |
| 2026-03 | 3 | noncurrent p90 |  |
| 2026-06 | 4 | charge-offs p90 |  |

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

- 2013-06-20 [New directors appointed to Reliance State Bank board - The Ames Tribune](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNNFlSeGQzeWV1QjdjZzNEVkFSakZnSHBTZXJ3c2tYNVh5ekhDT3dIWGdNQ0E4eXkzM0JaYm0xQ196MjE0YTNlOXREVkYxUlNCTlA2LVQxSDk1aTNHZXZxcHh1ZlpIUGJIdE4wRTRKLUkyZjJzTGdfajNZQzByT1l3TGJNRTU3dlZ5SzFIX3RBX1U0TWNGcEduZl9wejF4cUZiRmxwVDFPeU4?oc=5) · The Ames Tribune
- 2025-04-25 [Ames Natl (ATLO) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9JYWdEc3k2VE4tcEVkekhRNXlHenhudmlFS2FoOWdJRzZJT0FadWZXMmhzX2JiUGh4bjd5WWRNT21TRXRYb2phaHdmbUppVkRuakRr?oc=5) · stocktitan.net
- 2025-11-28 [Major Winter Storm to Bring Heavy Snow, Dangerous Travel Across Iowa Through Saturday - KIOW](https://news.google.com/rss/articles/CBMiswFBVV95cUxPdU9ZRU5YWnZMYkRRLTVaZmxhaF9RU2VqdTFHaklleUplY2YwREYzUU1QaGxhdTNwdU0tNVN5Y2hrem12aWRLdGxHY3lDOXZfeDRHNHZNYzl2OGtkdlYtR3RoNUMybXdMd1N4em5XRFF4MVBkR0xXTWRmUHdrZFFyVUF6NGo4LUhjNTVSLUdQNV9xSWNYa1FGZXpGM0NRTmo0QlUxRzRNUjhYNDBELVJkWThCTQ?oc=5) · KIOW
- 2012-08-10 [Family of 7 loses house in fire - KCCI](https://news.google.com/rss/articles/CBMid0FVX3lxTE8zUEhuVmp3a1FVS3lVZ0QxZHExX3h0emVQTklwbnhwTWdnTEJldGlDUjFtcWNxNEllcllzN25OeEZHOG55R3F6QlM0QnZRQzVZMVM5bFFFWml0MEwxRHJ6TkZDLUJ2QU1COEI4ZFJOVVRfcVlTWEJj?oc=5) · KCCI
- 2014-12-15 [WOI to overhaul broadcast next month - The Des Moines Register](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVlBhZXhBa1lZNjdNNk5Mcl9MQVgzQ0dfVDlnbTMxRjRRS3h5ZlpPWDQzaHd2QWEzWUhMRkZrejBNd2VmRXNTaUNPSjh5c250eV9TTmhENWdCemtTUUtQN1hKVnBaWkhxOExieVM5MlQzOU1MSmVqTHJOdHZsRGlhQWVDb3ZVN1JPa2VsM1h6R0FwaDh0RFVYYUVRWS1ZZW9DQ0ZfU3BwNm1JMHM?oc=5) · The Des Moines Register
- 2014-09-10 [United Way kicks off 2014 campaign - The Ames Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxPQmU3eWE1VHJ3cVduQmJ1MmQtZHRUUkZTZVE1ZGI5cTJPZ19TZDFPdElKV2puUUpuRE1VcXhIOHFQd0h4elk3ODdMdXJFUlFEYUdBWW4tODVmeEpUTGExcTVVVUNQdTgyMElpby1mTmQwN1NGbk1iWUw3NGlQbl9FNlU1bkhZZ0xZaHptSXBjRTQ1NVFyUkJXOGJB?oc=5) · The Ames Tribune
- 2014-12-19 [Ames National Corporation celebrates anniversary on NASDAQ - The Ames Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxNUnk0cksydGlGSWdRMmY3UGVIbWxKaGljcXczM1RVVkUwQnlicUFQTnpiTHZlMnZJLWpPLWwzdzdJNUN6b0E1S1Z6MU8xamlQenEwTDhlMUN1elB1OC11bW03eTlkTEpGUTB5R2RxQXdtSW5ubzJmM0lpWVRMcE1UdWljTWloOVhSY05kZmtzZzNGcl9iWjM5Q0lsWlFMMnZUMHJhMWM2TDlZX0RDVTNGUVBB?oc=5) · The Ames Tribune
- 2017-05-23 [FFA sponsors lunches for Little Norse Relays - The Ames Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxQOVFaQ3dPSHBCMHhiMnNHUWRsNjF1WmYtbW1NUnFpSEZlaVlfVGRlR0M2dWVkRHhhR0lBZHNUd2FReXVBbXpiTUNVb3VfeXE5RTVVaS1Sa1dIaTVOQy1UOFZpcDlsMUxUZlZzLWQxUGtDak9ES2ZXUGhRQnBYLTRnSTNsdy1sbzNyeGRnazVkRTktYTVabl9qOXoxdzVJVUxmd1pF?oc=5) · The Ames Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9299 (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/19.json (key "9299", 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