Reliance State Bank
Story City, IA
IDRSSD: 466044
Total Assets
$289.69M
Latest filing
Total Deposits
$245.68M
Latest filing
Net Interest Margin
2.96%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Reliance State Bank
606 Broad St
Story City, IA 50248
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/28/1928FDIC Certificate 5954
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Reliance State Bank (Main) | 606 Broad St | Story City, IA |
| GARNER BRANCH | 175 E 3rd St | Garner, IA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/28/1928 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50248 |
| State and County Number | 19169 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Ames, IA |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.rsbiowa.com |
| Data Updated | 11/14/2025 |
| CERT | 9299 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $289.69M |
| Total Deposits | $245.68M |
| Total Liabilities | $262.04M |
| Total Equity Capital | $27.65M |
| Net Income | $800.00k |
| Net Loans and Leases | $197.19M |
| Assets Per Employee ($Millions) | $9.66M |
| Bank Premises and Fixed Assets | $1.69M |
| Cash and Balances due from Depository Institutions | $5.36M |
| Deposits Held in Domestic Offices | $245.68M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 11.84% |
| Net Interest Margin | 2.96% |
| Efficiency Ratio | 55.52% |
| Tier 1 Risk-Based Capital Ratio | 11.878% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.545% |
| Earning Assets to total Assets | 94.47% |
Income and Expense
| Total Interest Income | $3.35M |
| Total Noninterest Income | $155.00k |
| Total Interest Expense | $1.32M |
| Total Noninterest Expense | $1.22M |
| Net Interest Income | $2.04M |
| Pre-tax Net Operating Income | $1.03M |
| Provision for Credit Losses | $-56,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.00M |
| Federal Funds Purchased and Repurchased Agreement | $9.80M |
| All Other Liabilities | $1.56M |
| Total Liabilities and Capital | $289.69M |
Securities
| Securities | $73.36M |
| Available-for-sale debt securities | $73.29M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Reliance State Bank?
$289.69M as of the latest filing.
How much are Reliance State Bank's total deposits?
$245.68M in total deposits.
Where is Reliance State Bank located?
Story City, IA.
What is the Net Interest Margin?
2.96%.
How many domestic offices does it operate?
2.
When was it established?
01/28/1928.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$197.19M (latest filing).
What is the total interest income (latest filing)?
$3.35M.