TellerScore

Reliance Savings Bank is a si headquartered in Altoona, Pennsylvania, in business for about 87 years. At the end of Q2 2026 it reported $648.9M in total assets and $511.7M in deposits, with 9 offices.

Based on its Q2 2026 filing, Reliance Savings Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 56th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.24%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 97.4% · 29.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (63 → 67), mostly because the loan quality component improved by 17 points.

TellerScore
526068Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202452
Q1 202557
Q2 202563
Q3 202564
Q4 202568
Q1 202665
Q2 202667
Tier 1 leverage ratio
5.00%8.62%12.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.67%
Q3 202411.76%
Q4 202411.34%
Q1 202511.61%
Q2 202511.86%
Q3 202512.03%
Q4 202511.97%
Q1 202611.97%
Q2 202612.24%
Noncurrent loans
0.20%0.93%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.97%
Q3 20241.03%
Q4 20241.66%
Q1 20251.35%
Q2 20250.77%
Q3 20250.69%
Q4 20250.34%
Q1 20260.20%
Q2 20260.26%
Return on assets
-0.11%0.19%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.32%
Q4 20240.25%
Q1 20250.46%
Q2 20250.34%
Q3 20250.31%
Q4 20250.49%
Q1 2026-0.11%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$648.9M12.24%0.26%0.30%97.4%
Q1 202665$663.1M11.97%0.20%-0.11%93.1%
Q4 202568$674.1M11.97%0.34%0.49%90.1%
Q3 202564$648.1M12.03%0.69%0.31%94.7%
Q2 202563$640.5M11.86%0.77%0.34%93.8%
Q1 202557$652.5M11.61%1.35%0.46%89.9%
Q4 202452$665.9M11.34%1.66%0.25%84.4%
Q3 202461$654.9M11.76%1.03%0.32%84.9%
Q2 202461$638.7M11.67%0.97%0.26%86.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.24%
67th
Total risk-based capital16.27%
75th
Problem loans0.26%
59th
Net charge-offs0.01%
44th
Return on assets0.30%
7th
Net interest margin3.45%
25th
Efficiency ratio88.8%
6th
Loans to deposits97.4%
13th
Uninsured deposits29.8%
29th
Loan-loss reserves0.92%
19th
Texas ratio1.6%
62nd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Phoenixville Federal Bank and TrustBank Phoenixville, PA67 out of 100, Moderate$648.0M12.6%1.25%vs
Mauch Chunk Trust CompanyBank Jim Thorpe, PA46 out of 100, Below average$642.8M7.9%1.27%vs
Woodlands BankBank Williamsport, PA44 out of 100, Below average$640.3M8.9%2.68%vs
Quaint Oak BankBank Southampton, PA52 out of 100, Below average$631.5M10.9%1.73%vs
Pennian BankBank Mifflintown, PA55 out of 100, Moderate$667.9M9.2%1.09%vs
Slovenian Savings and Loan Association of CanonsburgBank Strabane, PA73 out of 100, Strong$627.0M16.5%1.99%vs

Deposit insurance

Is my money safe at Reliance Savings Bank?

Yes. Reliance Savings Bank is an FDIC-insured institution (FDIC certificate #30117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($152.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.27% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Reliance Savings Bank lists 9 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Reliance Savings Bank reported 350 home-loan applications under HMDA (LEI 25490073NY7HKXVMGG76): 278 originated ($47,010,000 total), 34 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Reliance Savings Bank
Former names
Reliance Savings Association
Type
SI
FDIC certificate #
30117
RSSD ID
743679
Primary regulator
FDIC
Holding company
Reliance Bcorp Mhc
Established
January 1, 1939
Headquarters
1300 11th Avenue, Altoona, PA 16601
Employees
88

Quick answers

Reliance Savings Bank: common questions

Is Reliance Savings Bank FDIC insured?

Yes. Reliance Savings Bank is an FDIC-insured institution (FDIC certificate #30117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Reliance Savings Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Reliance Savings Bank ever failed?

There is no failure record for FDIC certificate #30117 in the FDIC failed bank list.

How many branches does Reliance Savings Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Altoona

InstitutionScoreAssetsCapitalProblem loansCompare
Blair County Federal Credit UnionCredit union Altoona, PA97 out of 100, Very strong$78.0M22.8%0.40%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Investment Savings BankBank Altoona, PA86 out of 100, Very strong$105.2M21.7%0.13%vs
Your Choice Federal Credit UnionCredit union Altoona, PA85 out of 100, Very strong$14.0M12.6%0.09%vs