Total Assets
$325M
Total balance-sheet footings
FDIC Cert #58602 · Faribault, Minnesota · Est. 2007
Reliance Bank - FDIC Bank Health Profile
A community-scale look at Reliance Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $325M
- Total assets
- C
- Health grade · Fair
- 0.72%
- Return on assets
- 8.7%
- Tier 1 capital
Data updated July 2026
The verdict
Reliance Bank earns a PlainBankData health grade of C (56/100), with 8.74% Tier 1 capital, 0.72% ROA, 72% efficiency ratio.
- #2,377
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 8.74%
- Tier 1 ratio - below the 10% well-capitalized line
- 26th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Reliance Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Reliance Bank's composite health score
Tier 1 Capital Ratio (8.74%) 18/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (2.21%) 20/20
Efficiency Ratio (71.86%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$274M
Customer-funded liabilities
Net Loans
$244M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Reliance Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Reliance Bank's score of 56/100 falls in the highlighted band.
Reliance Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Reliance Bank's $325M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.74% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.74%
Texas Ratio
2.21%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
8.66%
Efficiency Ratio
71.86%
What the numbers say about Reliance Bank
Reliance Bank is an FDIC-insured institution (Certificate #58602) headquartered in Faribault, Minnesota, established in 2007. It holds $325M in total assets - 2,377th of 4,313 FDIC-insured banks, $274M in customer deposits, and $244M in net loans. Looking at capital strength, Tier 1 stands at 8.74%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.21%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, Reliance Bank ranks 76th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$971K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Reliance Bank reports a Texas Ratio of 2.21% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.21% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Reliance Bank (FDIC Cert #58602) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Reliance Bank's health grade?▼
Reliance Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Reliance Bank?▼
Reliance Bank holds $325M in total assets and $274M in deposits, ranking 2,377th of 4,313 FDIC-insured banks by asset size. It is headquartered in Faribault, Minnesota.
Is my money safe at Reliance Bank?▼
Yes, deposits at Reliance Bank (Certificate #58602) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Reliance Bank's Tier 1 Capital Ratio?▼
Reliance Bank has a Tier 1 Capital Ratio of 8.74%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Reliance Bank?▼
Reliance Bank has a Texas Ratio of 2.21%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Reliance Bank?▼
Reliance Bank has an Efficiency Ratio of 71.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Reliance Bank's profile as a depositor or analyst.
- Reliance Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Reliance Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.