Relyance Bank, National Association

912 South Poplar Street
Pine Bluff, AR 71611

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19371
Date Established 1965
Assets $0.83 billion
Loans $0.65 billion
Deposits $0.69 billion
Capital $0.11 billion

Relyance Bank, National Association is an FDIC insured institution located in Pine Bluff, AR. It was founded in 1965 and has approximately $0.83 billion in assets. Customers can open an account at one of its 15 branches.

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

Bank Loan Profile?

The top three loan types in Relyance Bank, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks in Arkansas, Relyance Bank, National Association has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.52
Multifamily
Mortgages
7.13
Credit Card Loans 0.18
Consumer Auto Loans 0.19
Small Business Loans 7.61
Construction and Development Loans 7.32
Commercial Real Estate 39.93
Commercial and Industrial Loans 8.36
Farm Loans 11.00

Deposit Rates - April 22, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Relyance Bank, National Association, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - April 22, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Relyance Bank, National Association

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

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Featured - Washington Home Equity Line Of Credit Rates 2019

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PenFed Credit Union
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5.500 %
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Figure Home Equity Loan Plus
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8.000 %
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Third Federal Savings and Loans
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4.490 %
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Note to Relyance Bank, National Association
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Branches

Relyance Bank, National Association 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:
Seattle,Washington


Relyance Bank, National Association Locations


Financial Details

Relyance Bank, National Association Ratio Analysis

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

Texas Ratio
Relyance Bank, National Association U.S. Bank Average
4.75% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Relyance Bank, National Association had $5,167,000 in non-current loans and $240,000 in owned real estate. To cover these potential losses it had $106,822,000 in equity and $6,897,000 in loans loss reserves. That gives it a Texas Ratio of 4.75%.

Return on Equity
Relyance Bank, National Association U.S. Bank Average
8.06% 8.80%

Relyance Bank, National Association has a Return on Equity of 8.06% versus the BestCashCow average of 8.80%. 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.

Capitalization
Relyance Bank, National Association U.S. Bank Average
12.94% 12.29%

Relyance Bank, National Association has a Capitalization of 12.94% versus the BestCashCow average of 12.29. 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.

Relyance Bank, National Association Balance Sheet Analysis

As of December 31, 2018, Relyance Bank, National Association had assets of $825,622,000, loans of $646,938,000, and deposits of $689,411,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.65 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.04 billion
     Total Assets $0.72 billion
LIABILITIES
Total deposits $0.69 billion
      Interest-bearing deposits $0.56 billion
      Deposits held in domestic offices $0.69 billion
      % insured (estimated) 76.81%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.72 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Relyance Bank, National Association

Branches and Savings

Is Relyance Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #19371.

Why does Relyance Bank, National Association pay such low interest on savings accounts?

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

Why are Relyance Bank, National Association CD rates not competitive?

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

Is Relyance Bank, National Association a commercial bank?

Yes

Where are Relyance Bank, National Association locations?

See branch locations nearby.

Is Relyance Bank, National Association open on Saturdays?

Is Relyance Bank, National Association open on Sundays?

What time does Relyance Bank, National Association open?

What time does Relyance Bank, National Association close?

Are Relyance Bank, National Association ATMs Open 24/7?

Do Relyance Bank, National Association ATMs accept cash deposits?

Can Relyance Bank, National Association customers use other ATMs?

Do Relyance Bank, National Association branches have notaries?

Will Relyance Bank, National Association notarize my document?

What address for Relyance Bank, National Association should I put for incoming ACH transfers?

Will the Relyance Bank, National Association branch print checks?

Do Relyance Bank, National Association checks expire?

Does Relyance Bank, National Association require US citizenship to open account?

Can Relyance Bank, National Association close my account?

Does Relyance Bank, National Association Report to credit bureaus?

Does Relyance Bank, National Association Use Equifax?

What is Relyance Bank, National Association's ACH Routing Number?

What is Relyance Bank, National Association's SWIFT code?

Products

Does Relyance Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Relyance Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Relyance Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Relyance Bank, National Association offer student loans?

Will Relyance Bank, National Association cash a check?

Will Relyance Bank, National Association redeem a savings bond?

Does Relyance Bank, National Association cash savings bonds?

Will Relyance Bank, National Association cash money orders?

Can Relyance Bank, National Association issue a money order?

Does Relyance Bank, National Association do currency exchange?

Background on The Bank

Who owns Relyance Bank, National Association?

How long has Relyance Bank, National Association been around?

Can Relyance Bank, National Association transfer to other banks?

Does Relyance Bank, National Association have quick pay?

Does Relyance Bank, National Association accept rolled coins?

Will Relyance Bank, National Association accept loose change?

Where is Relyance Bank, National Association headquarters?

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