Institution Statistics
| FDIC Certificate # | 58209 | | BankRate Report | View | | Year Established | 2006 | | Employees | 72 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $395.22 million | | Loans | $327.84 million | | Deposits | $339.06 million | | Equity Capital | $37.82 million | | Loan Loss Allowance | $4.12 million | | Unbacked Noncurrent Loans | $9.62 million | | Real Estate Owned | $1.34 million |
Historic Data - March 2009 | | Assets | $359.76 million | | Equity Capital | $32.66 million | | Loan Loss Allowance | $4.12 million | | Unbacked Noncurrent Loans | $116,000 | | Real Estate Owned | $2.77 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.52% | | Return on Assets | 0.24% | | Return on Equity | 2.5% | | Interest Income | $5.02 million |
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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, 2010 Reliant Bank had $10.97 million in non-current loans and owned real-estate with $41.94 million in equity and loan loss allowances on hand to cover it. This gives Reliant Bank a Texas Ratio of 26.15% which is above 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 increased dramatically from 7.85% as of March 31, 2009 to 26.15% as of March 31, 2010, resulting in a negative change of 233.35%. This indicates that the balance sheet and financial strength for Reliant Bank has declined dramatically in recent periods. | | Deposit Growth |  | | In the past year, Reliant Bank has increased it's total deposits by $44.76 million, resulting in 15.21% 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 excellent. | | 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 $395.22 million in assets with $41.94 million in equity, resulting in a capitalization level of 10.61%, which is below average. |
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