Relyance Bank
White Hall, Arkansas, Jefferson County
$1.4B in total assets, the 791st largest of 4,309 US banks and 17th of 78 headquartered in Arkansas.
- FDIC certificate
- 19371
- Established
- 1965
- Owned by
- Jefferson Bancshares Inc
- Primary regulator
- FED
- Website
- www.Rely.Bank
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 37% | $1.6B | |
| Loans | $1.1B | 37% | $1.4B | |
| Deposits | $1.2B | 37% | $1.5B | |
| Return on assets | 1.23% | 47% | 1.24% | |
| Net interest margin | 3.92% | 37% | 4.01% | |
| Efficiency ratio | 61.4% | 63% | 57.4% | |
| Equity to assets | 13.57% | 90% | 9.57% | |
| Loans to deposits | 93% | 63% | 88% |
Growth
Total assets grew 5.4% a year over the last 5 years and 8.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2013 | Hot Springs Bank & Trust Company Hot Springs, AR, an affiliate under the same holding company | $81M |
| Mar 1992 | Home Federal Savings of Kansas City Kansas City, MO | $2.3B |
Where they operate
21 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jefferson County, AR | $724M | 29.9% | 2 of 7 |
| Pulaski County, AR | $165M | 0.6% | 21 of 33 |
| Saline County, AR | $119M | 4.8% | 6 of 16 |
| Garland County, AR | $117M | 3.8% | 10 of 14 |
| Lincoln County, AR | $37M | 24.2% | 3 of 3 |
| Dallas County, AR | $28M | 14.4% | 2 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (14 to 21, +50.0%). 7 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 14 | |||
| 2016 | Opened Little Rock | 1 | 0 | +1 | 15 |
| 2018 | Opened 4 in Arkansas | 4 | 0 | +4 | 19 |
| 2019 | Opened Little Rock | 1 | 0 | +1 | 20 |
| 2025 | Opened Benton | 1 | 0 | +1 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 47% | 28% | |
| Business (C&I) | 19% | 14% | |
| 1-4 family residential | 11% | 23% | |
| Agricultural | 7% | 3% | |
| Construction and land | 7% | 13% | |
| Farmland | 6% | 10% | |
| Multifamily | 4% | 5% | |
| Consumer | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 47% | |
| Time deposits | 34% | 35% | |
| Noninterest-bearing | 18% | 18% |
Brokered deposits are 1.6% of deposits (peers 7.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.40% | 0.39% |
| Net charge-offs, annualized | 0.02% | 0.10% |
| Reserves to loans | 1.22% | 1.29% |
| Leverage ratio | 13.27% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Jefferson County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/relyance