Relyance Bank: how it compares with its peers
Against 20 AR banks with half to twice its assets, Relyance Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.8M peer median). Its weakest relative measure is efficiency ratio (61.38% vs. 57.49%).
| Measure | Relyance Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.41% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.01% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.38% | 57.49% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.8M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.81% | 89.58% | Context |
What it means for lending operations
Its efficiency ratio of 61.38% is above the 57.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Fm Bank And Trust Blytheville, AR · $1.36B
- Chambers Bank Danville, AR · $1.59B
- Legacy Bank Springdale, AR · $1.27B
- The Citizens Bank Batesville, AR · $1.62B
- Signature Bank of Arkansas Fayetteville, AR · $1.63B
- Evolve Bank & Trust West Memphis, AR · $1.19B
Questions about Relyance Bank
How big is Relyance Bank?
Relyance Bank, established in 1965, is headquartered in White Hall, AR. It reported $1.43B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is Relyance Bank's return on assets?
1.21% annualized in Q2 2026, against a 1.41% median for 20 AR banks with half to twice its assets, ahead of 45% of them.
What is Relyance Bank's efficiency ratio?
61.38% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.49%, and lower is better.
Is Relyance Bank growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits shrank 8.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.