Reliant Bank

Reliant Bank is headquartered in Brentwood and is the 44^th largest bank in the state of Tennessee. It is also the 1,785^th largest bank in the nation. It was established in 2006 and as of September of 2011, it had grown to 68 employees at 4 locations. Reliant Bank's savings rates are 4X the national average, and it has a 3-star health rating.

Reliant Bank Routing Number: 064109044

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Data for Q3 2011

Institution Statistics Reliant Bank FDIC Certificate # 58209 BankRate Report View Year Established 2006 Employees 68 Primary Regulator FED Assets and Liabilities Assets $369.57 million Loans $279.46 million Deposits $318.41 million Equity Capital $33.01 million Loan Loss Allowance $9.94 million Unbacked Noncurrent Loans $11.32 million Real Estate Owned $4.66 million Historic Data - September 2010 Assets $395.30 million Equity Capital $34.58 million Loan Loss Allowance $9.41 million Unbacked Noncurrent Loans $16.25 million Real Estate Owned $4.04 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets -0.74% Return on Equity -8.46% Interest Income $13.96 million

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 September 30, 2011 Reliant Bank had $15.98 million in non-current loans and owned real-estate with $42.95 million in equity and loan loss allowances on hand to cover it. This gives Reliant Bank a Texas Ratio of 37.21% 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 Reliant Bank decreased slightly from 46.11% as of September 30, 2010 to 37.21% as of September 30, 2011, resulting in a positive change of 19.32%.This indicates that the balance sheet and financial strength for Reliant Bank has improved slightly in recent periods. Deposit Growth In the past year, Reliant Bank has decreased its total deposits by -$24.73 million, resulting in -7.21% 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 Reliant Bank 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. Reliant Bank has $369.57 million in assets with $42.95 million in equity, resulting in a capitalization level of 11.62%, which is above average.

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