🏦Bank Scorer

This institution is no longer active

Operations ceased on April 7, 2017. CRA examination history below reflects the period it was active.

RELIANCE BANK

ATHENS, AL · Supervised by FDIC

Est. 1998FDIC #34,866RSSD: FDIC-34866
Part ofRB BCORP→ View all charters
Satisfactory Down

Current rating · Exam: August 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.33%

Institution Profile

FDIC BankFind

Address

112 North Jefferson Street, ATHENS, AL

County

Limestone County

Established

December 14, 1998

Total Assets

$201M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2017Call Report / FDIC

Total Assets

$201M

Total Deposits

$168M

Net Loans

$123M

Net Income

$695K

ROA

1.33%

ROE

13.83%

Risk-Based Capital

14.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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