This institution is no longer active

Operations ceased on April 13, 2019. CRA examination history below reflects the period it was active.

RELIANCE BANK

DES PERES, MO · Supervised by FDIC

Est. 1999FDIC #35,123RSSD: FDIC-35123

Part ofRELIANCE BANCSHARES INC→ View all charters

Outstanding Up

Current rating · Exam: September 2017

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.99%

Is this bank safe?

RELIANCE BANK earned an Outstanding CRA rating (2017), meets basic financial requirements (ROA +0.99%).

Institution Profile

FDIC BankFind

Address

11781 Manchester Road, DES PERES, MO

County

St. Louis County

Established

April 16, 1999

Total Assets

$1.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2019Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$1.1B

Net Income

$4M

ROA

0.99%

Above avg for Community banks. Peer avg: 0.90%

ROE

9.98%

Risk-Based Capital

10.94%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.99%Peer avg: 0.90%▲ Above avg

Risk-Based Capital10.94%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate24.10%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2018	83	61.45%	24.10%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2017	Outstanding	Intermediate Small Bank
Aug 2014	Satisfactory	Intermediate Small Bank
May 2011	Satisfactory	Intermediate Small Bank

2 previous ratings locked — back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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