BlastPoint's Banking Scorecard

Reliance Bank

Micro Specialty: Commercial MN FDIC cert 58602

Designations: ✓ Community bank

Faribault, MN

2498 banks in Micro tier nationally 179 in MN

View Micro leaderboard (MN) →

Reliance Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$324.6M +10.2% YoY +2.6% QoQ	+$107.1M	$217.5M +2.3% YoY	$508.2M +6.2% YoY	$5.9B +6.5% YoY	77%
Total Loans ?	$244.3M +6.0% YoY +2.4% QoQ	+$105.1M	$139.2M +2.8% YoY	$283.0M +6.2% YoY	$3.1B +8.5% YoY	83%
Total Deposits ?	$273.8M +13.3% YoY +8.2% QoQ	+$90.2M	$183.7M +1.8% YoY	$438.4M +5.3% YoY	$4.7B +6.3% YoY	76%
Return on Assets ?	0.72% +65.5% YoY +5.5% QoQ	-0.36%	1.08% +14.7% YoY	1.11% +14.5% YoY	1.12% +15.6% YoY	29%
Net Interest Margin ?	3.81% +12.6% YoY +2.0% QoQ	-0.04%	3.85% +6.6% YoY	3.81% +8.2% YoY	3.75% +7.1% YoY	50%
Efficiency Ratio ?	71.86% -12.7% YoY -0.7% QoQ	+4.14%	67.73% -4.8% YoY	65.34% -5.0% YoY	65.09% -5.1% YoY	35%
Delinquency Rate ?	0.28% -71.5% YoY -79.1% QoQ	-0.36%	0.64% +24.4% YoY	0.65% +17.8% YoY	0.66% +20.3% YoY	56%
Loan-to-Deposit Ratio ?	89.22% -6.5% YoY -5.4% QoQ	+14.69%	74.53% +0.5% YoY	76.97% -0.8% YoY	78.04% +0.7% YoY	25%
Non-Interest-Bearing Deposit Share ?	12.76% -11.0% YoY -13.3% QoQ	-9.63%	22.39% -1.3% YoY	21.89% -2.6% YoY	21.79% -1.3% YoY	17%
Nonperforming Asset Ratio ?	0.25% -66.9% YoY -74.8% QoQ	-0.20%	0.45% +25.1% YoY	0.46% +7.5% YoY	0.48% +20.8% YoY	52%
Tier 1 Capital Ratio ?	0.00%	-8.85%	8.85% -3.4% YoY	11.33% -0.2% YoY	9.75% -1.9% YoY	51%
Non-Interest Income / Assets ?	0.30% -1.9% YoY +28.5% QoQ	-0.26%	0.56% +0.3% YoY	0.50% +4.9% YoY	0.65% +0.6% YoY	40%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Loans

Current: $244.3M · Tier avg: $139.2M

83th pctile

Total Assets

Current: $324.6M · Tier avg: $217.5M

77th pctile

Total Deposits

Current: $273.8M · Tier avg: $183.7M

76th pctile

Delinquency Rate

Current: 0.28% · Tier avg: 0.64%

56th pctile

Nonperforming Asset Ratio

Current: 0.25% · Tier avg: 0.45%

52th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 8.85%

51th pctile

Net Interest Margin

Current: 3.81% · Tier avg: 3.85%

50th pctile

Non-Interest Income / Assets

Current: 0.30% · Tier avg: 0.56%

40th pctile

Efficiency Ratio

Current: 71.86% · Tier avg: 67.73%

35th pctile

Return on Assets

Current: 0.72% · Tier avg: 1.08%

29th pctile

Loan-to-Deposit Ratio

Current: 89.22% · Tier avg: 74.53%

25th pctile

Non-Interest-Bearing Deposit Share

Current: 12.76% · Tier avg: 22.39%

17th pctile

Top Weaknesses