Applications / Mortgage Analytics / Lenders / Iowa / Reliance State Bank
Story City, IA · State non-member bank · FDIC · $285 million assets · 66 loans in 2025
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66
loans originated, 2025
75
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Reliance State Bank, a small Iowa bank, lends more to low- and moderate-income borrowers than most banks its size, though its loan count slipped in 2025.
Some 36.5% of its loans went to low- and moderate-income (LMI) borrowers in 2025, against 27.3% at similar lenders, meaning state non-member banks making between half and twice as many loans. That is more than at about three-quarters of them, and up from 28.8% a year earlier.
None of its loans went to LMI or majority-minority neighborhoods, against 18.6% and 6.9% for peers. Its biggest market is rural Iowa outside the metro areas, where such neighborhoods may be few; its share of the Des Moines market is close to nothing.
It made 66 loans, down 4%, while similar lenders grew by 9% and the whole market by 10%. Its total of $11.6 million was lower than at about three-quarters of peers. It filed no HMDA report for 2020 through 2022, and made 107 loans in 2023.
Its biggest market is non-metro Iowa, where it ranks 77 of 465 lenders. It has lent in Ames since 2004 and holds 0.3% of that market. The bank was Randall-Story State Bank until 2012.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Reliance State Bank took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.1% · Refinance 25.8% · Home improvement 10.6% · Other 7.6%
Conventional 100.0% · of 66 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 66 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ames | 9 |
| Des Moines-West Des Moines | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490003YGASV5ENH153 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 466044 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39299 | 2004–2017 |
Established 28 January 1928. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Reliance State Bank's data.
Reliance State Bank's data
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