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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Altoona, PA · FDIC certificate #30117
RELIANCE SAVINGS BANK is an FDIC-insured institution based in Altoona, PA (FDIC certificate #30117). In its Q3 2026 Call Report it reported total assets of $682M, total deposits of $525M and net loans of $512M. Its primary federal regulator is FDIC.
Plain-language readout
RELIANCE SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $682M in Q3 2026 and were lowest at $649M in Q2 2026.
Total deposits were highest at $525M in Q3 2026 and lowest at $512M in Q2 2026.
Over the whole period total assets rose 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $682M | $525M | $512M | 0.45% | 3.79% | 3.50% |
| Q2 2026 | $649M | $512M | $498M | 0.30% | 2.50% | 3.45% |
| Q1 2026 | $663M | $521M | $485M | -0.11% | -0.96% | 3.35% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.7M | $36.5M | -$23.8M | -65.2% |
| Federal funds sold | $1.1M | $3.6M | -$2.4M | -68.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $102.4M | $104.1M | -$1.7M | -1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $668K | -$668K | -100.0% |
| Net loans and leases (after allowance) | $498.2M | $484.2M | +$14.0M | +2.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.2M | $13.8M | +$381K | +2.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $4.0M | $4.0M | -$16K | -0.4% |
| All other assets | $16.3M | $16.3M | +$81K | +0.5% |
| Total assets | $648.9M | $663.1M | -$14.2M | -2.1% |
| Liabilities | ||||
| Total deposits | $511.7M | $520.6M | -$8.9M | -1.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $27.0M | $32.7M | -$5.8M | -17.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $22.0M | $24.1M | -$2.1M | -8.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $9.4M | $7.9M | +$1.5M | +19.0% |
| Total liabilities | $570.1M | $585.3M | -$15.3M | -2.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $84.7M | $83.6M | +$1.2M | +1.4% |
| Accumulated other comprehensive income | -$5.9M | -$5.8M | -$61K | -1.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $78.9M | $77.8M | +$1.1M | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $1.0M | +$329K | +32.8% |
| Adjusted nonperforming assets | $1.3M | $1.0M | +$329K | +32.8% |
| Tangible equity plus allowance | $79.5M | $78.3M | +$1.2M | +1.5% |
| Texas ratio (gross) | 1.67% | 1.28% | +0.39 pts | See points |
| Texas ratio (adjusted) | 1.67% | 1.28% | +0.39 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.72% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 15.35% | 14.11% | +1.24 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.35% | 14.11% | +1.24 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.92% | 0.85% | +0.07 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.27% | 14.96% | +1.31 pts | See points |
| Tier 1 leverage (approximate) | 12.24% | 11.97% | +0.27 pts | See points |
| Construction and land loans to total capital | 19.12% | 18.56% | +0.55 pts | See points |
| Commercial real estate to total capital | 136.13% | 128.26% | +7.87 pts | See points |
| Dividend payout, year to date | 0.00% | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.41% | -10.45% | +0.04 pts | See points |
| Liquidity | ||||
| Core deposits | $479.6M | $490.4M | -$10.8M | -2.2% |
| Non-core funding | $81.1M | $87.1M | -$6.0M | -6.9% |
| Loans to core deposits | 104.85% | 99.68% | +5.17 pts | See points |
| Loans to deposits | 98.27% | 93.89% | +4.38 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 94.87% | 94.66% | +0.21 pts | See points |
| Loans pledged, share of loans | 93.62% | 93.85% | -0.23 pts | See points |
| Volatile liabilities | $81.1M | $87.1M | -$6.0M | -6.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | -$72K | +$1.5M | +2026.4% |
| Earnings before provision, single quarter | $1.5M | -$72K | +$1.5M | +2126.4% |
| Provision for credit losses, year to date | $180K | $114K | +$66K | +57.9% |
| Yield and cost | ||||
| Yield on loans and leases | 5.84% | 5.84% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.62% | 3.60% | +0.02 pts | See points |
| Total interest income to average assets | 4.87% | 4.79% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 2.19% | 2.25% | -0.06 pts | See points |
| Cost of savings and money market deposits | 1.76% | 1.78% | -0.02 pts | See points |
| Cost of time deposits | 3.00% | 3.11% | -0.11 pts | See points |
| Total interest expense to average assets | 1.63% | 1.69% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $682M | $525M | $512M | 0.45% | 3.79% | 3.50% |
| 2026-06-30 | $649M | $512M | $498M | 0.30% | 2.50% | 3.45% |
| 2026-03-31 | $663M | $521M | $485M | -0.11% | -0.96% | 3.35% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $499.8M | 0.09% | 87 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.