Reliance State Bank

Overview / Commentary

www.rsbiowa.com

515-733-4396

606 Broad Street
Story City, IA 50248

Reliance State Bank is headquartered in Story City and is the 95^th largest bank in the state of Iowa. It is also the 2,512^th largest bank in the nation. It was established in 1928 and as of March of 2022, it had grown to 35 employees at 2 locations. Reliance State Bank's money market rates are 36% higher than the national average, and it has an A health rating.

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Health

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	9299
Year Established	1928
Employees	35
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	10.54%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$297.7MM$275.6MM
Loans	Q1 2022vs Q1 2021	$144.5MM$141.9MM
Deposits	Q1 2022vs Q1 2021	$264.5MM$238.8MM
Equity Capital	Q1 2022vs Q1 2021	$25.3MM$29.1MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$2.4MM$2.2MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$1.6MM$2.3MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$10.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Reliance State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$200	-	Personal Savings
0.25%	$25	-	Personal Savings for Minors
0.25%	$200	-	Business Savings
0.15%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $1k \| 0.10% → $1k - $5k

Reliance State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$200k^*	-	Money Market
OTHER TIERS: 0.05% → Up to $2.5k \| 0.25% → $2.5k - $50k \| 0.30% → $50k - $100k \| 0.40% → $100k - $150k \| 0.50% → $150k - $200k
0.60%^*	$200k^*	-	Commercial Money Market
OTHER TIERS: 0.05% → Up to $2.5k \| 0.25% → $2.5k - $50k \| 0.30% → $50k - $100k \| 0.40% → $100k - $150k \| 0.50% → $150k - $200k

Reliance State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%^*	-	$15k	Interest Rewards
OTHER TIERS: 0.15% → $15k+
0.20%^*	$100k^*	-	Premier Checking
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $100k
0.15%	-	-	Commercial Checking w/Interest
0.15%	-	-	Non-Profit Checking

Reliance State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$25k^*	-	5 Year CD
OTHER TIERS: 0.50% → $2.5k - $10k \| 1.00% → $10k - $25k
1.20%^*	$25k^*	-	4 Year CD
OTHER TIERS: 0.45% → $2.5k - $10k \| 0.90% → $10k - $25k
1.00%^*	$25k^*	-	3 Year CD
OTHER TIERS: 0.40% → $2.5k - $10k \| 0.80% → $10k - $25k
0.90%^*	$25k^*	-	2 Year CD
OTHER TIERS: 0.35% → $2.5k - $10k \| 0.70% → $10k - $25k
0.80%^*	$25k^*	-	1 Year CD
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.60% → $10k - $25k
0.80%^*	$25k^*	-	1 1/2 Year CD
OTHER TIERS: 0.30% → $2.5k - $10k \| 0.60% → $10k - $25k
0.40%^*	$25k^*	-	6 Month CD
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.30% → $10k - $25k

Reliance State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$25k^*	-	5 Year IRA
OTHER TIERS: 0.50% → $2.5k - $10k \| 1.00% → $10k - $25k
1.00%^*	$25k^*	-	3 Year IRA
OTHER TIERS: 0.40% → $2.5k - $10k \| 0.80% → $10k - $25k
0.80%^*	$25k^*	-	1 Year IRA
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.60% → $10k - $25k

Locations

Reliance State Bank Locations
Garner Branch	175 E 3rd St	Garner, IA 50438
Reliance State Bank	606 Broad Street	Story City, IA 50248

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