Reliance Bank, FSB

Reliance Bank, FSB is headquartered in Fort Myers and is the 211^st largest bank in the state of Florida. It is also the 5,879^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 11 employees at 2 locations. Reliance Bank, FSB has a 3-star health rating.

Reliance Bank, FSB Routing Number: 067092705

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Data for Q1 2012

Institution Statistics Reliance Bank, FSB OTS # 18003 FDIC Certificate # 58129 BankRate Report View Year Established 2006 Employees 11 Primary Regulator OCC Assets and Liabilities Assets $66.27 million Loans $27.01 million Deposits $60.45 million Equity Capital $3.56 million Loan Loss Allowance $3.37 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $1.39 million Historic Data - March 2011 Assets $85.18 million Equity Capital $5.72 million Loan Loss Allowance $4.39 million Unbacked Noncurrent Loans $7.19 million Real Estate Owned $3.56 million Profit Margin - Quarterly Net Interest Margin 2.67% Return on Assets 2.62% Return on Equity 50.63% Interest Income $535,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Reliance Bank, FSB had $5.3 million in non-current loans and owned real-estate with $6.92 million in equity and loan loss allowances on hand to cover it. This gives Reliance Bank, FSB a Texas Ratio of 76.50% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Reliance Bank, FSB decreased slightly from 106.36% as of March 31, 2011 to 76.50% as of March 31, 2012, resulting in a positive change of 28.07%.This indicates that the balance sheet and financial strength for Reliance Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Reliance Bank, FSB has decreased its total deposits by -$15.7 million, resulting in -20.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Reliance Bank, FSB has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Reliance Bank, FSB has $66.27 million in assets with $6.92 million in equity, resulting in a capitalization level of 10.45%, which is above average.

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