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Relyance Bank, National Association

Relyance Bank, National Association
Overview / Commentary
912 South Poplar Street
Pine Bluff, AR 71611

Relyance Bank, National Association is headquartered in Pine Bluff and is the 20th largest bank in the state of Arkansas. It is also the 1,460th largest bank in the nation. It was established in 1965 and as of March of 2014, it had grown to 154 employees at 12 locations. Relyance Bank, National Association has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Relyance Bank, National Association had $6.41 million in non-current loans and owned real-estate with $71.87 million in equity and loan loss allowances on hand to cover it. This gives Relyance Bank, National Association a Texas Ratio of 8.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Relyance Bank, National Association experienced no significant changes from 8.39% as of March 31, 2013 to 8.92% as of March 31, 2014, resulting in a negative change of 6.33%. This indicates that the balance sheet and financial strength for Relyance Bank, National Association has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Relyance Bank, National Association has increased its total deposits by $51.22 million, resulting in 15.2% 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 Relyance Bank, National Association has shown is excellent.

Capitalization

GRADE:
A+

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. Relyance Bank, National Association has $461.64 million in assets with $71.87 million in equity, resulting in a capitalization level of 15.57%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #19371
Year Established1965
Employees154
Primary RegulatorOCC
Assets and Liabilities
Assets$461.64 million
Loans$334.78 million
Deposits$388.22 million
Equity Capital$67.25 million
Loan Loss Allowance$4.63 million
Unbacked Noncurrent Loans$4.93 million
Real Estate Owned$1.48 million
Historic Data - March 2013
Assets$393.84 million
Equity Capital$52.58 million
Loan Loss Allowance$2.49 million
Unbacked Noncurrent Loans$4.93 million
Real Estate Owned$1.89 million
Profit Margin - Quarterly
Net Interest Margin4.17%
Return on Assets0.87%
Return on Equity6.18%
Interest Income$4.65 million
Rates

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Locations


Relyance Bank, National Association Locations
Star City Branch102 South Lincoln StStar City, AR 71667
East Harding Branch1501 East Harding AvenuePine Bluff, AR 71601
Redfield Branch201 Sheridan RoadRedfield, AR 72132
Watson Chapel Branch2511 Camden RoadPine Bluff, AR 71603
2804 Hazel Street Branch2804 Hazel StreetPine Bluff, AR 71603
Olive Street Branch5503 Olive StreetPine Bluff, AR 71603
Whitehall Branch7907 Dollarway RoadWhitehall, AR 71601
Relyance Bank, National Association912 South Poplar StreetPine Bluff, AR 71611