BlastPoint's Banking Scorecard

Relyance Bank

$1B-$10B Specialty: Commercial AR FDIC cert 19371

Designations: ✓ Community bank

White Hall, AR

21 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
Deposits -8.1% year over year ($1.2B on the books).
Delinquency rate 0.40%.
Return on assets 1.21%.
Efficiency ratio 61.38% vs a 59.73% peer average.
Loan-to-deposit ratio 91.81% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR

View $1B-$10B leaderboard (AR) →

Relyance Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.1% in tier
- Liquidity Strain: Bottom 1.9% in tier
- Capital Constraint: Bottom 25.0% in tier
- NIB Deposit Bleed: Bottom 34.8% in tier
- ROA 0.18% below tier average
- Efficiency Ratio 1.65% above tier average

Get updates when Relyance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$1.4B -5.9% YoY -3.2% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$1.1B -3.6% YoY +1.9% QoQ	-$845.7M	$2.0B -0.3% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$1.2B -8.1% YoY -4.2% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.21% +0.5% YoY +6.0% QoQ	-0.18%	1.39% +17.0% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.92% +10.3% YoY +2.5% QoQ	+0.05%	3.87% +6.2% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	61.38% +4.6% YoY -2.0% QoQ	+1.65%	59.73% -12.6% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	43%
Delinquency Rate ?	0.40% +58.3% YoY -4.6% QoQ	-0.47%	0.87% +11.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	91.81% +4.9% YoY +6.3% QoQ	+6.77%	85.04% -0.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	17.79% -25.4% YoY -2.2% QoQ	-3.48%	21.27% -1.5% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	0.38% +96.2% YoY -9.1% QoQ	-0.30%	0.67% +11.7% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	14.69% +11.2% YoY +1.5% QoQ	-0.15%	14.84% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.31% +5.4% YoY +99.6% QoQ	-0.22%	0.53% +2.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Noninterest-Bearing	17.8% -6.1pp YoY -0.4pp QoQ	-3.6pp	21.4%	19.6%	22.2%	38%
Brokered Deposits	1.6% -0.2pp YoY +0.1pp QoQ	-7.8pp	9.5%	7.2%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	19.1% +0.3pp YoY -1.1pp QoQ	+5.1pp	14.0%	12.7%	12.5%	78%
CRE	57.8% -1.9pp YoY +0.2pp QoQ	+7.8pp	50.0%	41.0%	41.4%	71%
1-4 Family	11.0% +1.0pp YoY -0.3pp QoQ	-15.4pp	26.4%	28.1%	31.3%	19%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-4.4pp	4.7%	4.5%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	14.7% +1.5pp YoY +0.2pp QoQ	-0.9pp	15.6%	15.1%	19.7%	67%
Leverage Ratio	13.3% +0.8pp YoY +0.1pp QoQ	+2.0pp	11.3%	11.9%	12.6%	87%
Total Capital Ratio	15.8% +1.5pp YoY +0.2pp QoQ	-0.9pp	16.7%	16.3%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	204 +6 (+3.0%) YoY +2 (+1.0%) QoQ	-110	313	315	482	42%
Assets per Employee ($)	$7.0M -8.7% YoY -4.2% QoQ	-$3.5M	$10.5M	$6.7M	$8.8M	24%
Branch Count	21 0 YoY 0 QoQ	+1	20	25	18	68%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.1%	1.0%	40%
Allowance Coverage	3.09x -33.6% YoY +2.1% QoQ	-15.62x	18.71x	4.69x	20.23x	65%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	9.3% -1.0pp YoY +0.3pp QoQ	-3.3pp	12.6%	12.3%	11.6%	28%
Cost of Funds (YTD)	2.0% -0.2pp YoY +0.1pp QoQ	+0.1pp	1.9%	2.0%	1.7%	57%
Net Income ($, YTD)	$8.9M -1.1% YoY — QoQ	-$10.3M	$19.2M	$16.0M	$40.4M	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Deposit Outflow

decline

#1 of 131 • Bottom 0.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#8 of 361 • Bottom 1.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.81%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Constraint

risk

#9 of 32 • Bottom 25.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 91.81%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 14.69%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 banks QoQ

NIB Deposit Bleed

decline

#17 of 46 • Bottom 34.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.79%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available