Call reports 2025
RELYANCE BANK — 2025
What RELYANCE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,495,305,000 | 1,522,200,000 | 1,486,654,000 | 1,485,190,000 |
| Total loans | 1,102,895,000 | 1,172,629,000 | 1,173,571,000 | 1,158,057,000 |
| Allowance for loan losses | 12,840,000 | 13,621,000 | 13,269,000 | 13,806,000 |
| Securities available for sale | 112,956,000 | 111,447,000 | 121,847,000 | 112,951,000 |
| Securities held to maturity | 31,911,000 | 31,389,000 | 29,620,000 | 28,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,290,552,000 | 1,324,464,000 | 1,283,727,000 | 1,276,446,000 |
| Interest-bearing deposits | 1,033,138,000 | 1,008,542,000 | 1,055,555,000 | 1,065,926,000 |
| Noninterest-bearing deposits | 257,414,000 | 315,922,000 | 228,172,000 | 210,520,000 |
| Equity capital | 173,800,000 | 178,969,000 | 183,730,000 | 188,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 19,131,000 | 39,237,000 | 60,053,000 | 80,512,000 |
| Interest expense | 7,603,000 | 15,019,000 | 22,276,000 | 29,336,000 |
| Net interest income | 11,528,000 | 24,218,000 | 37,777,000 | 51,176,000 |
| Noninterest income | 2,243,000 | 4,490,000 | 6,911,000 | 9,371,000 |
| Noninterest expense | 8,429,000 | 16,905,000 | 25,691,000 | 34,605,000 |
| Provision for loan losses | 0 | 0 | 275,000 | 2,350,000 |
| Pretax income | 5,342,000 | 11,803,000 | 18,768,000 | 23,638,000 |
| Income tax | 1,251,000 | 2,807,000 | 4,518,000 | 5,341,000 |
| Net income | 4,091,000 | 8,996,000 | 14,250,000 | 18,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,403,000 | 181,339,000 | 184,625,000 | 188,704,000 |
| Total capital | 190,594,000 | 195,481,000 | 198,415,000 | 203,031,000 |
| Risk-weighted assets | 1,301,873,000 | 1,372,114,000 | 1,385,383,000 | 1,347,272,000 |