TellerScore

Relyance Bank (FDIC certificate #19371) is based in White Hall, Arkansas. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 21 offices.

Relyance Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 24th. Problem-loan coverage contributes the most (95/100, 2.6%); funding & liquidity contributes the least (39/100, 92% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.27%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 41.1% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.60%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202474
Q4 202471
Q1 202573
Q2 202576
Q3 202573
Q4 202575
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%9.13%13.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.14%
Q3 202411.97%
Q4 202411.97%
Q1 202512.21%
Q2 202512.42%
Q3 202512.42%
Q4 202512.80%
Q1 202613.14%
Q2 202613.27%
Noncurrent loans
0.01%0.21%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.41%
Q1 20250.40%
Q2 20250.25%
Q3 20250.42%
Q4 20250.33%
Q1 20260.41%
Q2 20260.40%
Return on assets
0.90%1.09%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.99%
Q4 20241.01%
Q1 20251.11%
Q2 20251.21%
Q3 20251.28%
Q4 20251.23%
Q1 20261.15%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.4B13.27%0.40%1.21%91.8%
Q1 202675$1.5B13.14%0.41%1.15%86.3%
Q4 202575$1.5B12.80%0.33%1.23%89.6%
Q3 202573$1.5B12.42%0.42%1.28%90.4%
Q2 202576$1.5B12.42%0.25%1.21%87.5%
Q1 202573$1.5B12.21%0.40%1.11%84.5%
Q4 202471$1.5B11.97%0.41%1.01%89.9%
Q3 202474$1.4B11.97%0.01%0.99%94.0%
Q2 202474$1.4B12.14%0.02%0.90%91.3%

897 peers · $1 billion – $10 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 ratio13.27%
87th
Total risk-based capital15.77%
75th
Problem loans0.40%
61st
Net charge-offs0.02%
55th
Return on assets1.21%
46th
Net interest margin3.92%
64th
Efficiency ratio61.4%
42nd
Loans to deposits91.8%
35th
Uninsured deposits41.1%
24th
Loan-loss reserves1.22%
61st
Texas ratio2.6%
63rd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs
Evolve Bank & TrustBank West Memphis, AR50 out of 100, Below average$1.2B12.9%1.88%vs

Deposit insurance

Is my money safe at Relyance Bank?

Yes. Relyance Bank is an FDIC-insured institution (FDIC certificate #19371). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.1% of deposits ($500.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.77% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Relyance Bank lists 21 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Relyance Bank reported 99 home-loan applications under HMDA (LEI 549300GCILEV6KJUST91): 75 originated ($26,955,000 total), 11 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, 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
Relyance Bank
Former names
Pine Bluff National Bank; Pine Bluff National Bank; Relyance Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
19371
RSSD ID
49241
Primary regulator
FED
Holding company
Jefferson Bancshares Inc
Established
February 11, 1965
Headquarters
8500 Sheridan Rd, White Hall, AR 71602
Employees
204

Quick answers

Relyance Bank: common questions

Is Relyance Bank FDIC insured?

Yes. Relyance Bank is an FDIC-insured institution (FDIC certificate #19371). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Relyance Bank's TellerScore?

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

Has Relyance Bank ever failed?

There is no failure record for FDIC certificate #19371 in the FDIC failed bank list.

How many branches does Relyance Bank have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near White Hall

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Connect BankBank Star City, AR89 out of 100, Very strong$123.9M15.9%0.88%vs
Pine Federal Credit UnionCredit union Pine Bluff, AR80 out of 100, Strong$62.8M24.5%1.49%vs
Fairfield Federal Credit UnionCredit union Pine Bluff, AR78 out of 100, Strong$97.7M23.3%1.57%vs
FBT Bank & MortgageBank Fordyce, AR72 out of 100, Strong$263.6M10.4%0.69%vs