Reliant Bank


1736 Carothers Pkwy
Brentwood, TN 37027
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.85% 0.80% →
2-Year CD 0.90% 0.80% →
5-Year CD 1.15% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Reliant Bank is an FDIC insured institution located in Brentwood, TN. It was founded in 2006 and has approximately $3.05 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 58366
Date Established 2006
Assets $ 3.05 billion
Loans $ 2.42 billion
Deposits $ 2.62 billion
Capital $ 394.81 million

For a more detailed analysis of Reliant Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.15% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 21, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Reliant Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
2.925% 2.875%
0.63 points
$1,608 fees
$1,038 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Reliant Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Reliant Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Reliant Bank Locations

Financial Details

Reliant Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Reliant Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Reliant Bank U.S. Bank Average
2.02% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Reliant Bank had $7,182,000 in non-current loans and $1,198,000 in owned real estate. To cover these potential losses it had $394,810,000 in equity and $20,785,000 in loans loss reserves. That gives it a Texas Ratio of 2.02%.

Return on Equity
Reliant Bank U.S. Bank Average
13.32% 11.43%

Reliant Bank has a Return on Equity of 13.32% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Reliant Bank U.S. Bank Average
12.94% 11.51%

Reliant Bank has a Capitalization of 12.94% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Reliant Bank Balance Sheet Analysis

As of March 31, 2021, Reliant Bank had assets of $3,050,292,000, loans of $2,423,528,000, and deposits of $2,615,686,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 115.19 million
Interest-bearing balances $ 102.09 million
Total securities $ 267.01 million
Federal funds sold and reverse repurchase $ 0.19 million
Net loans and leases $ 2.42 billion
Loan loss allowance $ 20.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.20 million
Goodwill and other intangibles $ 65.29 million
All other assets $ 133.03 million
     Total Assets $ 2.66 billion
Total deposits $ 2.62 billion
      Interest-bearing deposits $ 2.03 billion
      Deposits held in domestic offices $ 2.62 billion
      % insured (estimated) 59.97%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.03 million
Subordinated debt N.A.
All other liabilities $ 39.76 million
      Total Liabilities $ 2.66 billion
      Shareholders’ Equity $ 394.81 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 34.38 million
Total Interest Expense $ 3.40 million
Net interest income $ 30.98 million
Provision for loan and lease losses N.A.
Total non interest income $ 7.33 million
Total non interest expense $ 21.36 million
Pre-tax Net Operating Income $ 16.94 million

Bank Loan Profile?

The top three loan types in Reliant Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Reliant Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.30
Credit Card Loans 0.03
Consumer Auto Loans 0.11
Small Business Loans 0.00
Construction and Development Loans 14.23
Commercial Real Estate 31.53
Commercial and Industrial Loans 17.39
Farm Loans 0.37

Frequently Asked Questions About Reliant Bank

Branches and Savings

Is Reliant Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58366.

Why does Reliant Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Reliant Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Reliant Bank a commercial bank?


Where are Reliant Bank locations?

See branch locations nearby.

Is Reliant Bank open on Saturdays?

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Are Reliant Bank ATMs Open 24/7?

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Will Reliant Bank notarize my document?

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Will the Reliant Bank branch print checks?

Do Reliant Bank checks expire?

Does Reliant Bank require US citizenship to open account?

Can Reliant Bank close my account?

Does Reliant Bank Report to credit bureaus?

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Does Reliant Bank offer mortgages?

Compare mortgage rates here.

Does Reliant Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Reliant Bank offer personal loans?

Compare personal loan rates here.

Does Reliant Bank offer student loans?

Will Reliant Bank cash a check?

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Does Reliant Bank cash savings bonds?

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Background on The Bank

Who owns Reliant Bank?

How long has Reliant Bank been around?

Can Reliant Bank transfer to other banks?

Does Reliant Bank have quick pay?

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