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Overview / Commentary
11781 Manchester Road
Des Peres, MO 63131

Reliance Bank (MO) is headquartered in Des Peres and is the 25th largest bank in the state of Missouri. It is also the 652nd largest bank in the nation. It was established in 1999 and as of December of 2013, it had grown to 190 employees at 22 locations. Reliance Bank (MO)'s money market rates are 14% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 Reliance Bank (MO) had $39.35 million in non-current loans and owned real-estate with $109.31 million in equity and loan loss allowances on hand to cover it. This gives Reliance Bank (MO) a Texas Ratio of 36.00% which is 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 (MO) decreased dramatically from 58.44% as of December 31, 2012 to 36.00% as of December 31, 2013, resulting in a positive change of 38.40%.This indicates that the balance sheet and financial strength for Reliance Bank (MO) has improved dramatically in recent periods.

Deposit Growth


In the past year, Reliance Bank (MO) has increased its total deposits by $66.71 million, resulting in 8.64% 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 (MO) has shown is excellent.



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 (MO) has $1.02 billion in assets with $109.31 million in equity, resulting in a capitalization level of 10.77%, which is above average.

Institution Statistics

FDIC Certificate #35123
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.02 billion
Loans$641.46 million
Deposits$838.72 million
Equity Capital$96.76 million
Loan Loss Allowance$12.55 million
Unbacked Noncurrent Loans$10.50 million
Real Estate Owned$28.85 million
Historic Data - December 2012
Assets$914.43 million
Equity Capital$68.79 million
Loan Loss Allowance$24.86 million
Unbacked Noncurrent Loans$10.50 million
Real Estate Owned$32.73 million
Profit Margin - Quarterly
Net Interest Margin2.8%
Return on Assets0.66%
Return on Equity7.17%
Interest Income$33.03 million

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Reliance Bank (MO) Savings Account Rates

0.30%$250k-Platinum Savings
0.30%--IRA Savings
0.30%--Roth IRA Savings
0.30%--Coverdell Education Savings Account
0.10%$25-Piggy Bank Savings
0.10%--Regular Personal Savings
0.10%--Health Savings Account
0.10%--Business Savings Account

Reliance Bank (MO) Money Market Rates

0.50%$100k-Business Relationship Money Market Account
0.50%$100k-Relationship Money Market Account
0.35%$100k-Money Market Account
0.35%$100k-Business Money Market Account

Reliance Bank (MO) Checking Account Rates

0.25%$100-Reliance Club Gold
0.25%--Partnership Checking
0.10%$100-Reliance NOW Account
0.10%$100-Business Now Account

Reliance Bank (MO) CD Rates

1.52%$1k-60 Month CD Special
1.51%$1k-60 Month CD
1.51%$1k-Business 60 Month CD
1.21%$1k-39 Month CD Special
1.04%$5k-39 Month Rising Rate CD
0.90%$1k-48 Month CD
0.90%$1k-Business 48 Month CD
0.77%$1k-28 Month CD Special
0.69%$1k-36 Month CD
0.69%$1k-Business 36 Month CD
0.51%$1k-24 Month CD
0.51%$1k-Business 24 Month CD
0.35%$1k-12 Month CD
0.35%$1k-18 Month CD
0.35%$1k-Business 12 Month CD
0.35%$1k-Business 18 Month CD
0.35%$1k-12 Month CD Special
0.19%$1k-6 Month CD
0.19%$1k-Business 6 Month CD
0.08%$1k-3 Month CD
0.08%$1k-Business 3 Month CD

Reliance Bank (MO) IRA Rates

1.51%$1k-60 Month IRA (Traditional,Roth,CESA)
0.90%$1k-48 Month IRA (Traditional,Roth,CESA)
0.69%$1k-36 Month IRA (Traditional,Roth,CESA)
0.51%$1k-24 Month IRA (Traditional,Roth,CESA)
0.35%$1k-12 Month IRA (Traditional,Roth,CESA)
0.35%$1k-18 Month IRA (Traditional,Roth,CESA)
0.19%$1k-6 Month IRA (Traditional,Roth,CESA)
0.08%$1k-3 Month IRA (Traditional,Roth,CESA)

Reliance Bank (MO) has 22 locations. Click to view all Reliance Bank (MO) locations.