BlastPoint's Banking Scorecard
Reliance State Bank
Story City, IA
2 branches across IA
Reliance State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.86% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 44.5% in tier
- - Net Interest Margin 1.01% below tier average
- - Delinquency Rate 2.37% above tier average
- - Nonperforming Asset Ratio 1.55% above tier average
- - ROA 0.38% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.1M
-5.0% YoY
-0.3% QoQ
|
-$101.9M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$191.2M
-6.1% YoY
-0.4% QoQ
|
-$64.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$246.7M
-1.6% YoY
+0.9% QoQ
|
-$81.3M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.89%
-10.3% YoY
+5.9% QoQ
|
-0.38% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
2.92%
+8.4% YoY
+3.9% QoQ
|
-1.01% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio ? |
58.43%
+2.1% YoY
-1.0% QoQ
|
-6.86% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
3.26%
+393.4% YoY
+114.8% QoQ
|
+2.37% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.2% in tier |
| Loan-to-Deposit Ratio ? |
77.51%
-4.5% YoY
-1.3% QoQ
|
+0.87% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
15.45%
-5.1% YoY
-11.8% QoQ
|
-6.57% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
2.19%
+388.0% YoY
+114.4% QoQ
|
+1.55% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.4% in tier |
| Tier 1 Capital Ratio ? |
12.12%
+8.2% YoY
-0.1% QoQ
|
-3.71% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.06%
+8.0% YoY
-74.5% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
23% |
Get Full Access to Reliance State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.