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Reliance Savings Bank

$100M-$1B Specialty: Commercial PA FDIC cert 30117

Altoona, PA

9 branches across PA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +2.4% year over year ($511.7M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 0.30%.
  • Efficiency ratio 88.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.36% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Reliance Savings Bank has 1 strength but faces 5 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 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 9.1% in tier
  • - Efficiency Drag: Bottom 43.8% in tier
  • - Liquidity Strain: Bottom 46.5% in tier
  • - Return on Assets 1.03% below tier average
  • - Net Interest Margin 0.54% below tier average
Get updates when Reliance Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $648.9M
+1.3% YoY -2.1% QoQ
+$262.4M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $498.2M
+6.2% YoY +2.8% QoQ
+$239.9M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 11.4% in tier
Total Deposits ? $511.7M
+2.4% YoY -1.7% QoQ
+$185.0M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 0.30%
-14.1% YoY +365.2% QoQ
-1.03% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 7.3% in tier
Net Interest Margin ? 3.45%
+10.6% YoY +2.8% QoQ
-0.54% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 88.81%
+12.2% YoY -12.2% QoQ
+24.33% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 6.5% in tier
Delinquency Rate ? 0.27%
-65.6% YoY +29.3% QoQ
-0.65% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 97.36%
+3.8% YoY +4.5% QoQ
+19.41% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 13.1% in tier
Non-Interest-Bearing Deposit Share ? 22.92%
+4.4% YoY +2.6% QoQ
+0.89% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.21%
-63.9% YoY +35.7% QoQ
-0.46% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 15.35%
-1.2% YoY +8.8% QoQ
-0.56% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.27%
-1.9% YoY +118.5% QoQ
-0.30% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
67%

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 22.9%
+1.0pp YoY
+0.6pp QoQ
 +0.8pp 22.1% 18.7% 22.2% 59%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 4.2%
0.0pp YoY
+0.3pp QoQ
 -7.4pp 11.6% 8.6% 12.5% 15%
CRE 34.9%
-1.8pp YoY
+0.6pp QoQ
 -4.6pp 39.5% 37.9% 41.4% 43%
1-4 Family 43.9%
-1.2pp YoY
-1.2pp QoQ
 +11.2pp 32.6% 47.8% 31.3% 76%
Consumer 1.0%
-0.2pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 3.8% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 15.3%
-0.2pp YoY
+1.2pp QoQ
 -3.5pp 18.8% 22.3% 19.7% 53%
Leverage Ratio 12.2%
+0.4pp YoY
+0.3pp QoQ
 +0.1pp 12.2% 13.2% 12.6% 67%
Total Capital Ratio 16.3%
-0.2pp YoY
+1.3pp QoQ
 -3.7pp 19.9% 23.3% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 88
+4 (+4.8%) YoY
-1 (-1.1%) QoQ
 +29 58 299 482 82%
Assets per Employee ($) $7.4M
-3.3% YoY
-1.0% QoQ
 -$144K $7.5M $9.2M $8.8M 59%
Branch Count 9
+1 (+12.5%) YoY
0 QoQ
 +4 4 20 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 21%
Nonaccrual 0.3%
-0.5pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.9% 1.0% 34%
Allowance Coverage 3.47x
+185.7% YoY
-23.7% QoQ
 -20.68x 24.15x 3.63x 20.23x 62%
Net Charge-off Rate (YTD) 0.0%
-1.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 2.5%
-0.6pp YoY
+3.5pp QoQ
 -9.7pp 12.2% 10.2% 11.6% 7%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $977,000
-12.9% YoY
— QoQ
 -$1.6M $2.6M $18.2M $40.4M 26%

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 (3)

Flatlined Growth

risk
#49 of 529 • Bottom 9.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.30%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Efficiency Drag

risk
#159 of 361 • Bottom 43.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.81%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#322 of 691 • Bottom 46.5% 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: 97.36%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

301
Total Loans
size
Value: $498.21M
Peer Median: $258.35M
#301 of 2643 Top 11.4% in $100M-$1B
419
Total Assets
size
Value: $648.92M
Peer Median: $386.57M
#419 of 2643 Top 15.8% in $100M-$1B
498
Total Deposits
size
Value: $511.70M
Peer Median: $326.73M
#498 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (3 metrics)

2473
Efficiency Ratio
profitability
Value: 88.81%
Peer Median: 64.48%
#2473 of 2643 Bottom 6.5% in $100M-$1B
2451
Return on Assets
profitability
Value: 0.30%
Peer Median: 1.32%
#2451 of 2643 Bottom 7.3% in $100M-$1B
2297
Loan-to-Deposit Ratio
liquidity
Value: 97.36%
Peer Median: 77.95%
#2297 of 2643 Bottom 13.1% in $100M-$1B
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