Headquartered in Story City, Iowa, Reliance State Bank is a state-chartered bank with $276.8M in total assets and $234.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1928.
Reliance State Bank has a TellerScore of 43 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 221st. Funding & liquidity contributes the most (74/100, 80% loans-to-deposits, 20% uninsured); loan quality contributes the least (2/100, 2.95%).
TellerScore · Q2 2026
Scorecard
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 3 points (40 → 43), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 57 |
| Q4 2024 | 56 |
| Q1 2025 | 62 |
| Q2 2025 | 40 |
| Q3 2025 | 54 |
| Q4 2025 | 56 |
| Q1 2026 | 42 |
| Q2 2026 | 43 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.53% |
| Q3 2024 | 8.66% |
| Q4 2024 | 8.63% |
| Q1 2025 | 8.80% |
| Q2 2025 | 8.80% |
| Q3 2025 | 9.20% |
| Q4 2025 | 9.39% |
| Q1 2026 | 9.56% |
| Q2 2026 | 9.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.65% |
| Q2 2025 | 2.70% |
| Q3 2025 | 1.53% |
| Q4 2025 | 1.50% |
| Q1 2026 | 3.21% |
| Q2 2026 | 2.95% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.61% |
| Q1 2025 | 1.00% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $276.8M | 9.72% | 2.95% | 0.82% | 80.4% |
| Q1 2026 | 42 | $284.1M | 9.56% | 3.21% | 0.89% | 77.5% |
| Q4 2025 | 56 | $284.9M | 9.39% | 1.50% | 0.84% | 78.6% |
| Q3 2025 | 54 | $289.7M | 9.20% | 1.53% | 0.81% | 80.3% |
| Q2 2025 | 40 | $294.3M | 8.80% | 2.70% | 0.67% | 82.4% |
| Q1 2025 | 62 | $299.1M | 8.80% | 0.65% | 1.00% | 81.2% |
| Q4 2024 | 56 | $307.5M | 8.63% | 0.79% | 0.61% | 86.4% |
| Q3 2024 | 57 | $302.3M | 8.66% | 0.82% | 0.56% | 85.4% |
| Q2 2024 | 58 | $303.1M | 8.53% | 0.68% | 0.63% | 83.6% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Iowa State Savings BankBank Creston, IA | 74 out of 100, Strong | $276.5M | 9.4% | 0.20% | vs |
| Success BankBank Bloomfield, IA | 79 out of 100, Strong | $277.1M | 12.2% | 0.33% | vs |
| DeWitt Bank & Trust Co.Bank Dewitt, IA | 62 out of 100, Moderate | $277.3M | 9.4% | 1.26% | vs |
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
| Guthrie County State BankBank Panora, IA | 77 out of 100, Strong | $279.2M | 12.3% | 0.16% | vs |
| Farmers and Merchants State BankBank Winterset, IA | 78 out of 100, Strong | $271.7M | 10.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Reliance State Bank?
Yes. Reliance State Bank is an FDIC-insured institution (FDIC certificate #9299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.3% of deposits ($47.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.12% (benchmark: 10%).
2 locations
Branches
Reliance State Bank lists 2 offices in 2 cities. Most locations:
- Garner, IA (1)
- Story City, IA (1)
HMDA 2025
Mortgage lending
In 2025, Reliance State Bank reported 75 home-loan applications under HMDA (LEI 25490003YGASV5ENH153): 66 originated ($11,600,000 total), 5 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, 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 State Bank
- Former names
- Randall-Story State Bank; Randall State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9299
- RSSD ID
- 466044
- Primary regulator
- FDIC
- Holding company
- Ames National Corp
- Established
- January 28, 1928
- Headquarters
- 606 Broad St, Story City, IA 50248
- Website
- www.rsbiowa.com
- Employees
- 31
Quick answers
Reliance State Bank: common questions
Is Reliance State Bank FDIC insured?
Yes. Reliance State Bank is an FDIC-insured institution (FDIC certificate #9299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Reliance State Bank's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Reliance State Bank ever failed?
There is no failure record for FDIC certificate #9299 in the FDIC failed bank list.
How many branches does Reliance State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Story City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Community Choice Credit UnionCredit union Johnston, IA | 79 out of 100, Strong | $922.9M | 12.7% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |
| TS BankBank Treynor, IA | 72 out of 100, Strong | $432.7M | 10.6% | 1.41% | vs |