Relyance Bank (FDIC #19371): Bank Stress & Real-Estate Credit Exposure
Relyance Bank (FDIC Cert #19371): bank stress 54/100, moderate, STABLE over 7 days; parent JEFFERSON BANCSHARES INC.
Relyance Bank (#19371) lends in 7 counties across 1 state; Relyance Bank (#19371) reaches 85 ZIP codes: Arkansas 7 counties, 85 ZIPs.
Relyance Bank (#19371) largest markets: Pulaski County, AR (144 branches, 36 ZIPs) (#19371), Jefferson County, AR (133 branches, 19 ZIPs) (#19371), Grant County, AR (14 branches, 14 ZIPs) (#19371), Saline County, AR (42 branches, 14 ZIPs) (#19371), Garland County, AR (40 branches, 10 ZIPs) (#19371), Lincoln County, AR (9 branches, 9 ZIPs) (#19371).
Relyance Bank (#19371) reports $1.43 billion in total assets; Relyance Bank (#19371) equity $194.4 million (13.6% of Relyance Bank (#19371) assets); Relyance Bank (#19371) domestic deposits $1.22 billion; Relyance Bank (#19371) net income $8.9 million; Relyance Bank (#19371) return on assets 1.21%; Relyance Bank (#19371) return on equity 9.32%; Relyance Bank (#19371) net interest income $26.1 million; Relyance Bank (#19371) call report June 30, 2026.
Relyance Bank (#19371) noncurrent real-estate loans: none reported; Relyance Bank (#19371) net charge-offs on real estate 0.33%; Relyance Bank (#19371) multifamily charge-offs 3.83%.
Relyance Bank (#19371) net interest margin 3.92% against an eight-quarter Relyance Bank (#19371) average of 3.58% (Relyance Bank (#19371) compression -0.34 points); Relyance Bank (#19371) rate-exposure score 40/100, Relyance Bank (#19371) fixed-rate trap 40/100; Relyance Bank (#19371) risk type credit driven; Relyance Bank (#19371) rate regime rates elevated, Relyance Bank (#19371) snapshot October 19, 2026.
Relyance Bank (#19371) stress score moved from 56.2 on June 22, 2026 to 53.7 on October 19, 2026; Relyance Bank (#19371) ranged 53.7 to 56.2 over 116 snapshots.
Relyance Bank (#19371) alerts: 6 counties; top Relyance Bank (#19371) alert scores: Fordyce County, AR 19 (low); Hot Springs Village County, AR 19 (low); Little Rock County, AR 19 (low); Sheridan County, AR 19 (low); Star City County, AR 19 (low).