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This institution is no longer active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%

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%

ROE

9.98%

Risk-Based Capital

10.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate24.10%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20188361.45%24.10%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 previous ratings locked — dating 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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