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Reliance Bank
Faribault, MN · FDIC Certificate #58602 · Chartered 08/1
Total assets
$334.12M
Total deposits
$281.62M
Total equity
$28.48M
Net loans
$241.74M
Branches (offices)
1
Net income (YTD)
$1.39M
Rank: #2,314 of 4,213 U.S. banks by assets · #78 of 221 in Minnesota. Assets changed 9.5% and deposits 9.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.84% |
| Return on equity | 10.01% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 8.52% |
| Tier 1 leverage ratio | 8.98% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 49.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $118.88M | 49.2% | |
| Commercial & industrial | $99.26M | 41.1% | |
| Consumer / individual | $3.46M | 1.4% | |
| Construction & development | $11.07M | 4.6% | |
| Agricultural | $22.05M | 9.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $212.46M | $193.54M | $1.30M | $18.35M |
| Jun 2023 | $248.79M | $221.38M | $1.08M | $19.99M |
| Jun 2024 | $273.71M | $234.28M | $331.00K | $22.88M |
| Jun 2025 | $305.11M | $257.45M | $1.07M | $25.51M |
| Jun 2026 | $334.12M | $281.62M | $1.39M | $28.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $281.62M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $281.62M.
Similar-sized banks
Altamaha Bank & Trust Company ($334.12M) · Franklin Bank ($334.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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