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Reliance State Bank
Story City, IA · FDIC Certificate #9299 · Chartered 01/2
Total assets
$276.81M
Total deposits
$234.68M
Total equity
$28.47M
Net loans
$188.71M
Branches (offices)
2
Net income (YTD)
$1.16M
Rank: #2,584 of 4,213 U.S. banks by assets · #113 of 225 in Iowa. Assets changed -5.9% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.82% |
| Return on equity | 8.25% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 10.29% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 2.95% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 80.4% |
| Real estate loans (share of loans) | 68.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.39M | 68.0% | |
| Commercial & industrial | $17.19M | 9.1% | |
| Consumer / individual | $1.21M | 0.6% | |
| Construction & development | $4.29M | 2.3% | |
| Agricultural | $42.15M | 22.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $284.90M | $254.50M | $1.28M | $22.69M |
| Jun 2023 | $296.30M | $238.09M | $965.00K | $22.44M |
| Jun 2024 | $303.10M | $237.37M | $956.00K | $23.98M |
| Jun 2025 | $294.28M | $241.56M | $1.01M | $26.41M |
| Jun 2026 | $276.81M | $234.68M | $1.16M | $28.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $234.68M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.68M.
Similar-sized banks
Newport Federal Bank ($276.83M) · Old Glory Bank ($276.78M)
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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