00016064402020FYfalseus-gaap:AccountingStandardsUpdate201602MemberP1Y00016064402020-01-012020-12-31iso4217:USD00016064402020-06-30xbrli:shares00016064402021-03-0800016064402020-12-3100016064402019-12-31iso4217:USDxbrli:shares00016064402019-01-012019-12-3100016064402018-01-012018-12-310001606440us-gaap:CommonStockMember2017-12-310001606440us-gaap:AdditionalPaidInCapitalMember2017-12-310001606440us-gaap:RetainedEarningsMember2017-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2017-12-310001606440us-gaap:NoncontrollingInterestMember2017-12-3100016064402017-12-310001606440us-gaap:AdditionalPaidInCapitalMember2018-01-012018-12-310001606440us-gaap:CommonStockMember2018-01-012018-12-310001606440us-gaap:NoncontrollingInterestMember2018-01-012018-12-310001606440us-gaap:RetainedEarningsMember2018-01-012018-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2018-01-012018-12-310001606440us-gaap:CommonStockMember2018-12-310001606440us-gaap:AdditionalPaidInCapitalMember2018-12-310001606440us-gaap:RetainedEarningsMember2018-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2018-12-310001606440us-gaap:NoncontrollingInterestMember2018-12-3100016064402018-12-310001606440us-gaap:AdditionalPaidInCapitalMember2019-01-012019-12-310001606440us-gaap:CommonStockMember2019-01-012019-12-310001606440us-gaap:NoncontrollingInterestMember2019-01-012019-12-310001606440us-gaap:RetainedEarningsMember2019-01-012019-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-01-012019-12-310001606440us-gaap:CommonStockMember2019-12-310001606440us-gaap:AdditionalPaidInCapitalMember2019-12-310001606440us-gaap:RetainedEarningsMember2019-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-12-310001606440us-gaap:NoncontrollingInterestMember2019-12-310001606440rbnc:TennesseeCommunityBankHoldingsIncMemberus-gaap:CommonStockMember2020-01-012020-12-310001606440rbnc:TennesseeCommunityBankHoldingsIncMemberus-gaap:AdditionalPaidInCapitalMember2020-01-012020-12-310001606440rbnc:TennesseeCommunityBankHoldingsIncMember2020-01-012020-12-310001606440rbnc:FirstAdvantageBancorpMemberus-gaap:CommonStockMember2020-01-012020-12-310001606440rbnc:FirstAdvantageBancorpMemberus-gaap:AdditionalPaidInCapitalMember2020-01-012020-12-310001606440rbnc:FirstAdvantageBancorpMember2020-01-012020-12-310001606440srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RetainedEarningsMember2019-12-310001606440srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2019-12-310001606440us-gaap:AdditionalPaidInCapitalMember2020-01-012020-12-310001606440us-gaap:CommonStockMember2020-01-012020-12-310001606440us-gaap:NoncontrollingInterestMember2020-01-012020-12-310001606440us-gaap:RetainedEarningsMember2020-01-012020-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-01-012020-12-310001606440us-gaap:CommonStockMember2020-12-310001606440us-gaap:AdditionalPaidInCapitalMember2020-12-310001606440us-gaap:RetainedEarningsMember2020-12-310001606440us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-12-310001606440us-gaap:NoncontrollingInterestMember2020-12-31xbrli:pure0001606440rbnc:VHCFund1LLCMemberrbnc:ReliantMortgageVenturesLLCMember2011-12-310001606440rbnc:ReliantMortgageVenturesLLCMember2011-12-310001606440rbnc:ReliantMortgageVenturesLLCMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMembersrt:MinimumMember2020-01-012020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMembersrt:MaximumMember2020-01-012020-12-310001606440srt:MinimumMemberus-gaap:ConsumerPortfolioSegmentMember2020-01-012020-12-310001606440us-gaap:ConsumerPortfolioSegmentMembersrt:MaximumMember2020-01-012020-12-310001606440srt:MinimumMember2020-01-012020-12-310001606440srt:MaximumMember2020-01-012020-12-310001606440srt:MinimumMemberus-gaap:BuildingMember2020-01-012020-12-310001606440us-gaap:BuildingMembersrt:MaximumMember2020-01-012020-12-310001606440us-gaap:LeaseholdImprovementsMembersrt:MinimumMember2020-01-012020-12-310001606440us-gaap:LeaseholdImprovementsMembersrt:MaximumMember2020-01-012020-12-310001606440srt:MinimumMemberus-gaap:FurnitureAndFixturesMember2020-01-012020-12-310001606440us-gaap:FurnitureAndFixturesMembersrt:MaximumMember2020-01-012020-12-310001606440rbnc:RetiredBankFacilitiesMember2020-12-310001606440srt:MinimumMemberus-gaap:CoreDepositsMember2020-01-012020-12-310001606440us-gaap:CoreDepositsMembersrt:MaximumMember2020-01-012020-12-3100016064402020-01-010001606440us-gaap:USTreasuryAndGovernmentMember2020-12-310001606440us-gaap:USStatesAndPoliticalSubdivisionsMember2020-12-310001606440us-gaap:CorporateDebtSecuritiesMember2020-12-310001606440us-gaap:MortgageBackedSecuritiesMember2020-12-310001606440us-gaap:AssetBackedSecuritiesMember2020-12-310001606440us-gaap:USTreasuryAndGovernmentMember2019-12-310001606440us-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310001606440us-gaap:CorporateDebtSecuritiesMember2019-12-310001606440us-gaap:MortgageBackedSecuritiesMember2019-12-310001606440us-gaap:AssetBackedSecuritiesMember2019-12-31rbnc:security0001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2020-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2019-12-310001606440rbnc:OtherPortfolioSegmentMember2020-12-310001606440rbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:PassMemberrbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:PassMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:SpecialMentionMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:SpecialMentionMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:SpecialMentionMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMember2020-12-310001606440us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:PassMemberrbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMember2020-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2020-12-310001606440us-gaap:PassMemberrbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:SpecialMentionMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:PassMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:PassMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:SpecialMentionMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:SpecialMentionMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:SubstandardMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:SpecialMentionMemberus-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMember2019-12-310001606440us-gaap:FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:PassMemberrbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:SubstandardMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:PassMemberus-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SpecialMentionMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMemberus-gaap:SubstandardMember2019-12-310001606440us-gaap:FinancialAssetAcquiredWithCreditDeteriorationMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2020-01-012020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2020-01-012020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-01-012020-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2020-01-012020-12-310001606440rbnc:OtherPortfolioSegmentMember2020-01-012020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2018-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2018-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2018-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2018-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2018-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2018-12-310001606440rbnc:OtherPortfolioSegmentMember2018-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2019-01-012019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2019-01-012019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2019-01-012019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2019-01-012019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-01-012019-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2019-01-012019-12-310001606440rbnc:OtherPortfolioSegmentMember2019-01-012019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2017-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2017-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2017-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2017-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2017-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2017-12-310001606440rbnc:OtherPortfolioSegmentMember2017-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2018-01-012018-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMember2018-01-012018-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMember2018-01-012018-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2018-01-012018-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2018-01-012018-12-310001606440us-gaap:ConsumerPortfolioSegmentMember2018-01-012018-12-310001606440rbnc:OtherPortfolioSegmentMember2018-01-012018-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberrbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2020-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberrbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberrbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2020-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberrbnc:MultiFamilyAndCommercialMember2020-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2020-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001606440us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMember2020-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberrbnc:OtherPortfolioSegmentMember2020-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMember2020-12-310001606440us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberrbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMember2019-12-310001606440rbnc:CommercialIndustrialAndAgriculturalPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberrbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyResidentialMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberrbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310001606440rbnc:OneToFourFamilyHELOCMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberrbnc:MultiFamilyAndCommercialMember2019-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberrbnc:ConstructionLandDevelopmentAndFarmlandMember2019-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001606440us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ConsumerPortfolioSegmentMember2019-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberrbnc:OtherPortfolioSegmentMember2019-12-310001606440rbnc:FinancingReceivables30To89DaysPastDueMember2019-12-310001606440us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310001606440us-gaap:PerformingFinancingReceivableMember2020-12-310001606440us-gaap:PerformingFinancingReceivableMember2019-12-310001606440rbnc:TennesseeCommunityBankHoldingsMember2020-01-010001606440rbnc:FirstAdvantageBancorpMember2020-04-010001606440rbnc:TennesseeCommunityBankHoldingsMember2020-12-310001606440rbnc:FirstAdvantageBancorpMember2020-12-31rbnc:loanrbnc:contract0001606440rbnc:CARESActMember2020-04-012020-05-310001606440rbnc:CARESActMember2020-01-012020-12-310001606440us-gaap:LandMember2020-12-310001606440us-gaap:LandMember2019-12-310001606440us-gaap:BuildingMember2020-12-310001606440us-gaap:BuildingMember2019-12-310001606440us-gaap:ConstructionInProgressMember2020-12-310001606440us-gaap:ConstructionInProgressMember2019-12-310001606440us-gaap:LeaseholdImprovementsMember2020-12-310001606440us-gaap:LeaseholdImprovementsMember2019-12-310001606440rbnc:FurnitureFixturesAndEquipmentMember2020-12-310001606440rbnc:FurnitureFixturesAndEquipmentMember2019-12-3100016064402020-09-3000016064402020-07-012020-09-300001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2002-12-310001606440us-gaap:PrimeRateMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2002-01-012002-12-310001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2002-01-012002-12-31rbnc:quarterly_period0001606440rbnc:CommunityFirstMemberus-gaap:LondonInterbankOfferedRateLIBORMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2002-12-310001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2005-12-310001606440rbnc:CommunityFirstMemberus-gaap:LondonInterbankOfferedRateLIBORMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2005-01-012005-12-310001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2005-01-012005-12-310001606440rbnc:CommunityFirstMemberus-gaap:LondonInterbankOfferedRateLIBORMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2005-12-310001606440rbnc:CommunityFirstMemberrbnc:RedeemableSubordinatedDebenturesMember2007-12-310001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2007-01-012012-12-150001606440rbnc:CommunityFirstMemberus-gaap:LondonInterbankOfferedRateLIBORMemberrbnc:RedeemableSubordinatedDebenturesMember2012-12-162020-12-310001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2007-01-012007-12-310001606440rbnc:CommunityFirstMemberus-gaap:LondonInterbankOfferedRateLIBORMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2007-12-310001606440rbnc:CommunityFirstMemberrbnc:TrustPreferredCapitalSecuritiesMember2016-12-200001606440rbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2019-12-310001606440srt:ScenarioForecastMemberrbnc:CommunityFirstMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2019-01-012024-12-150001606440srt:ScenarioForecastMemberrbnc:CommunityFirstMemberus-gaap:SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMemberus-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember2024-12-152024-12-150001606440us-gaap:CashFlowHedgingMemberus-gaap:InterestRateSwapMember2020-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:InterestRateSwapMember2019-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:InterestRateSwapMember2020-01-012020-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:InterestRateSwapMember2019-01-012019-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:SubordinatedDebtMemberus-gaap:InterestRateSwapMember2020-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:SubordinatedDebtMemberus-gaap:InterestRateSwapMember2019-12-310001606440us-gaap:CashFlowHedgingMemberrbnc:FederalHomeLoanBankConsolidatedObligationsMemberus-gaap:InterestRateSwapMember2020-12-310001606440us-gaap:CashFlowHedgingMemberrbnc:FederalHomeLoanBankConsolidatedObligationsMemberus-gaap:InterestRateSwapMember2019-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:OtherLiabilitiesMember2020-12-310001606440us-gaap:CashFlowHedgingMemberus-gaap:OtherLiabilitiesMember2019-12-310001606440rbnc:InterestRateSwapSubordinateDebenturesMember2020-01-012020-12-310001606440rbnc:InterestRateSwapSubordinateDebenturesMember2019-01-012019-12-310001606440rbnc:InterestRateSwapSubordinateDebenturesMember2018-01-012018-12-310001606440rbnc:InterestRateSwapInterestBearingLiabilitiesMember2020-01-012020-12-310001606440rbnc:InterestRateSwapInterestBearingLiabilitiesMember2019-01-012019-12-310001606440rbnc:InterestRateSwapInterestBearingLiabilitiesMember2018-01-012018-12-310001606440us-gaap:FairValueHedgingMember2020-12-310001606440us-gaap:FairValueHedgingMember2019-12-310001606440us-gaap:FairValueHedgingMember2020-01-012020-12-310001606440us-gaap:FairValueHedgingMember2019-01-012019-12-310001606440us-gaap:FairValueHedgingMemberus-gaap:OtherLiabilitiesMemberus-gaap:InterestRateSwapMember2020-12-310001606440us-gaap:FairValueHedgingMemberus-gaap:OtherLiabilitiesMemberus-gaap:InterestRateSwapMember2019-12-310001606440us-gaap:FairValueHedgingMemberus-gaap:OtherLiabilitiesMember2020-12-310001606440us-gaap:FairValueHedgingMemberus-gaap:OtherLiabilitiesMember2019-12-310001606440us-gaap:InterestRateSwapMember2020-01-012020-12-310001606440us-gaap:InterestRateSwapMember2019-01-012019-12-310001606440us-gaap:InterestRateSwapMember2018-01-012018-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasuryAndGovernmentMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasuryAndGovernmentMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USTreasuryAndGovernmentMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2020-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2020-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2020-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2020-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:MortgageBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:MortgageBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:AssetBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:AssetBackedSecuritiesMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMember2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2020-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasuryAndGovernmentMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasuryAndGovernmentMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USTreasuryAndGovernmentMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2019-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-12-310001606440us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:MortgageBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:MortgageBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:AssetBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:AssetBackedSecuritiesMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberrbnc:TimeDepositsMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberrbnc:TimeDepositsMemberus-gaap:FairValueInputsLevel1Member2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberrbnc:TimeDepositsMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberrbnc:TimeDepositsMemberus-gaap:FairValueInputsLevel3Member2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMember2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-12-310001606440us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2019-12-310001606440us-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001606440us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001606440us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001606440us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-12-310001606440us-gaap:FairValueMeasurementsNonrecurringMember2019-12-310001606440us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-12-310001606440us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-12-310001606440us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-12-310001606440rbnc:ValuationTechniqueAppraisalMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMemberus-gaap:MeasurementInputCostToSellMember2020-12-310001606440rbnc:ValuationTechniqueAppraisalMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMemberus-gaap:MeasurementInputCostToSellMember2019-12-310001606440us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMember2019-12-310001606440us-gaap:FairValueInputsLevel3Memberrbnc:ValuationTechniqueThirdPartyGuidelinesMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMemberus-gaap:MeasurementInputCostToSellMember2020-12-310001606440us-gaap:FairValueInputsLevel3Memberrbnc:ValuationTechniqueThirdPartyGuidelinesMemberus-gaap:FairValueMeasurementsNonrecurringMembersrt:WeightedAverageMemberus-gaap:MeasurementInputCostToSellMember2019-12-310001606440us-gaap:CarryingReportedAmountFairValueDisclosureMember2020-12-310001606440us-gaap:EstimateOfFairValueFairValueDisclosureMember2020-12-310001606440us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-12-310001606440us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-12-310001606440us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-12-310001606440us-gaap:CarryingReportedAmountFairValueDisclosureMember2019-12-310001606440us-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310001606440us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310001606440us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310001606440us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310001606440us-gaap:DomesticCountryMember2020-12-310001606440rbnc:FederalFundLinesOfCreditMember2020-12-310001606440rbnc:FederalFundLinesOfCreditMember2019-12-310001606440rbnc:UnsecuredLineOfCreditMember2020-12-310001606440rbnc:UnsecuredLineOfCreditMember2019-12-310001606440us-gaap:StandbyLettersOfCreditMemberus-gaap:FederalHomeLoanBankBorrowingsMember2020-12-310001606440us-gaap:StandbyLettersOfCreditMemberus-gaap:FederalHomeLoanBankBorrowingsMember2019-12-310001606440us-gaap:UnusedLinesOfCreditMember2020-12-310001606440us-gaap:UnusedLinesOfCreditMember2019-12-310001606440us-gaap:StandbyLettersOfCreditMember2020-12-310001606440us-gaap:StandbyLettersOfCreditMember2019-12-310001606440rbnc:CommunityFirstMember2018-01-010001606440rbnc:CommunityFirstMember2018-01-012018-01-0100016064402018-01-012018-01-010001606440rbnc:CommunityFirstMember2018-01-012018-12-310001606440rbnc:TennesseeCommunityBankHoldingsMemberus-gaap:CommonStockMember2020-01-010001606440us-gaap:CommonStockMember2020-01-012020-01-010001606440us-gaap:CommonStockMember2020-01-010001606440rbnc:TennesseeCommunityBankHoldingsMember2020-01-012020-01-010001606440rbnc:TennesseeCommunityBankHoldingsMember2020-01-012020-12-310001606440rbnc:FirstAdvantageBancorpMember2020-04-012020-04-010001606440rbnc:FirstAdvantageBancorpMemberus-gaap:CommonStockMember2020-04-010001606440rbnc:RestrictedStockAndRestrictedStockUnitsMemberrbnc:FirstAdvantageBancorpMember2020-04-010001606440rbnc:ReliantMortgageVenturesLLCMember2011-11-150001606440rbnc:VHCFund1LLCMemberrbnc:ReliantMortgageVenturesLLCMember2018-12-310001606440rbnc:VHCFund1LLCMemberrbnc:ReliantMortgageVenturesLLCMember2020-12-310001606440rbnc:VHCFund1LLCMemberrbnc:ReliantMortgageVenturesLLCMember2019-12-310001606440rbnc:ReliantMortgageVenturesLLCMember2019-12-31rbnc:segment0001606440rbnc:CommercialBankingMemberus-gaap:OperatingSegmentsMember2020-01-012020-12-310001606440us-gaap:OperatingSegmentsMemberrbnc:ResidentialMortgageBankingMember2020-01-012020-12-310001606440srt:ConsolidationEliminationsMember2020-01-012020-12-310001606440rbnc:CommercialBankingMemberus-gaap:OperatingSegmentsMember2019-01-012019-12-310001606440us-gaap:OperatingSegmentsMemberrbnc:ResidentialMortgageBankingMember2019-01-012019-12-310001606440srt:ConsolidationEliminationsMember2019-01-012019-12-310001606440rbnc:CommercialBankingMemberus-gaap:OperatingSegmentsMember2018-01-012018-12-310001606440us-gaap:OperatingSegmentsMemberrbnc:ResidentialMortgageBankingMember2018-01-012018-12-310001606440srt:ConsolidationEliminationsMember2018-01-012018-12-310001606440rbnc:ReliantBankMember2020-12-310001606440rbnc:ReliantBankMember2019-12-3100016064402018-12-0400016064402020-03-100001606440us-gaap:EmployeeStockOptionMemberrbnc:ThePlanMember2006-12-310001606440us-gaap:EmployeeStockOptionMemberrbnc:ThePlanMember2015-03-100001606440us-gaap:EmployeeStockOptionMember2015-03-102015-03-100001606440rbnc:EquityIncentivePlan2015Member2015-06-1800016064402017-01-012017-12-310001606440us-gaap:EmployeeStockOptionMember2020-01-012020-12-310001606440srt:MinimumMember2019-01-012019-12-310001606440srt:MaximumMember2019-01-012019-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2017-12-310001606440us-gaap:RestrictedStockMember2017-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2018-01-012018-12-310001606440us-gaap:RestrictedStockMember2018-01-012018-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2018-12-310001606440us-gaap:RestrictedStockMember2018-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2019-01-012019-12-310001606440us-gaap:RestrictedStockMember2019-01-012019-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2019-12-310001606440us-gaap:RestrictedStockMember2019-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2020-01-012020-12-310001606440us-gaap:RestrictedStockMember2020-01-012020-12-310001606440us-gaap:RestrictedStockUnitsRSUMember2020-12-310001606440us-gaap:RestrictedStockMember2020-12-310001606440us-gaap:RestrictedStockMembersrt:MinimumMember2020-01-012020-12-310001606440us-gaap:RestrictedStockMembersrt:MaximumMember2020-01-012020-12-310001606440rbnc:The401KPlanMember2020-01-012020-12-310001606440rbnc:The401KPlanMember2019-01-012019-12-310001606440rbnc:The401KPlanMember2018-01-012018-12-310001606440us-gaap:EmployeeStockMember2018-01-012018-12-310001606440us-gaap:EmployeeStockMember2018-12-310001606440us-gaap:EmployeeStockMember2020-01-012020-12-310001606440us-gaap:EmployeeStockMember2019-01-012019-12-310001606440us-gaap:EmployeeStockMember2020-12-310001606440us-gaap:CreditAndDebitCardMember2020-01-012020-12-310001606440us-gaap:CreditAndDebitCardMember2019-01-012019-12-310001606440us-gaap:CreditAndDebitCardMember2018-01-012018-12-310001606440us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2020-01-012020-12-310001606440us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2019-01-012019-12-310001606440us-gaap:InvestmentAdvisoryManagementAndAdministrativeServiceMember2018-01-012018-12-310001606440srt:ParentCompanyMember2020-12-310001606440srt:ParentCompanyMember2019-12-310001606440srt:ParentCompanyMember2020-01-012020-12-310001606440srt:ParentCompanyMember2019-01-012019-12-310001606440srt:ParentCompanyMember2018-01-012018-12-310001606440srt:ParentCompanyMember2018-12-310001606440srt:ParentCompanyMember2017-12-310001606440us-gaap:SubsequentEventMember2021-01-252021-01-250001606440us-gaap:SubsequentEventMember2021-01-26

 

For the transition period from                     to                         

 

Commission file number 001-37391

______________________________

 

Registrant’s telephone number, including area code: (615) 221-2020

 

                        

Securities registered pursuant to Section 12(g) of the Act:

None

______________________________

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  ☐ Yes     ☒  No

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.  ☐ Yes    ☒ No

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.     ☒ Yes    ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).   ☒   Yes    ☐   No

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of

the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C.

7262(b)) by the registered public accounting firm that prepared or issued its audit report.    ☐

           

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).    ☐ Yes    ☒ No

 

The aggregate market value of the voting and non-voting common equity held by non-affiliates was approximately $248,633,065 on June 30, 2020, the last business day of the registrant’s most recently completed second fiscal quarter, based on $16.29 per share, the last reported sales price of the common stock on The Nasdaq Capital Market on such date.

 

APPLICABLE ONLY TO CORPORATE REGISTRANTS

 

The number of shares outstanding of the registrant’s common stock, par value $1.00 per share, as of March 8, 2021 was 16,387,941 excluding 266,474 unexchanged shares in connection with acquisitions.

 

DOCUMENTS INCORPORATED BY REFERENCE

 

Portions of the registrant's definitive proxy statement for its 2021 Annual Meeting of Shareholders, which will be filed with the Securities and Exchange Commission within 120 days of December 31, 2020 are incorporated by reference into Part III of this report for the year ended December 31, 2020.

TABLE OF CONTENTS

 

Item No.						Page No.
PART I						5
ITEM 1.			BUSINESS			5
ITEM 1A.			RISK FACTORS			21
ITEM 1B.			UNRESOLVED STAFF COMMENTS			42
ITEM 2.			PROPERTIES			42
ITEM 3.			LEGAL PROCEEDINGS			44
ITEM 4.			MINE SAFETY DISCLOSURES			44
PART II						44
ITEM 5.			MARKET FOR THE REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES			44
ITEM 6.			SELECTED FINANCIAL DATA			46
ITEM 7.			MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS			47
ITEM 7A.			QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK			71
ITEM 8.			FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA			71
ITEM 9.			CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE			72
ITEM 9A.			CONTROLS AND PROCEDURES			72
ITEM 9B.			OTHER INFORMATION			73
PART III						73
ITEM 10.			DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE			73
ITEM 11.			EXECUTIVE COMPENSATION			73
ITEM 12.			SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS			73
ITEM 13.			CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE			73
ITEM 14.			PRINCIPAL ACCOUNTANT FEES AND SERVICES			74
PART IV						74
ITEM 15.			EXHIBITS AND FINANCIAL STATEMENT SCHEDULES			74
ITEM 16.			FORM 10-K SUMMARY			77
			SIGNATURES			78

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

Various statements contained in or incorporated by reference into this Annual Report on Form 10-K (this “Annual Report”) are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). The words “believe,” “anticipate,” “expect,” “may,” “will,” “assume,” “should,” “predict,” “could,” “would,” “intend,” “targets,” “estimates,” “projects,” “plans,” and “potential,” and other similar words and expressions of the future, are intended to identify such forward-looking statements, but other statements not based on historical information may also be considered forward-looking, including statements about Reliant Bancorp, Inc.’s (the “Company”) future financial and operating results and the Company’s plans, objectives, and intentions. All forward-looking statements are subject to risks, uncertainties, and other factors that may cause the actual results, performance, or achievements of the Company to differ materially from any results, performance, or achievements expressed or implied by such forward-looking statements. Such risks, uncertainties, and other factors include, among others: (1) the global health and economic crisis precipitated by the coronavirus (COVID-19) pandemic, (2) actions taken by governments, businesses and individuals in response to the coronavirus (COVID-19) pandemic, (3) the pace of recovery when the coronavirus (COVID-19) pandemic subsides, (4) the possible recurrence of the coronavirus (COVID-19), (5) changes in political conditions or the legislative or regulatory environment, including governmental initiatives affecting the financial services industry such as, but not limited to, the Coronavirus Aid, Relief, and Economic Security Act (or CARES) Act), (6) the possibility that our asset quality could decline or that we experience greater loan losses than anticipated, (7) increased levels of other real estate, primarily as a result of foreclosures, (8) the impact of liquidity needs on our results of operations and financial condition, (9) competition from financial institutions and other financial service providers, (10) the effect of interest rate increases on the cost of deposits, (11) unanticipated weakness in loan demand or loan pricing, (12) greater than anticipated adverse conditions in the national economy or local economies in which we operate, including in Middle Tennessee, (13) lack of strategic growth opportunities or our failure to execute on available opportunities, (14) deterioration in the financial condition of borrowers resulting in significant increases in loan losses and provisions for those losses, (15) economic crises and associated credit issues in industries most impacted by the coronavirus (COVID-19) pandemic, including the hotel and retail sectors, (16) the ability to grow and retain low-cost core deposits and retain large, uninsured deposits, (17) our ability to effectively manage problem credits, (18) our ability to successfully implement efficiency initiatives on time and with the results projected, (19) our ability to successfully develop and market new products and technology, (20) the impact of negative developments in the financial industry and United States and global capital and credit markets, (21) our ability to retain the services of key personnel, (22) our ability to adapt to technological changes, (23) risks associated with litigation, including reputational and financial risks and the applicability of insurance coverage, (24) the vulnerability of Reliant Bank’s computer and information technology systems and networks, and the systems and networks of third parties with whom the Company or Reliant Bank contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss, and other security breaches and interruptions, (25) changes in state and federal laws, rules, regulations, or policies applicable to banks or bank or financial holding companies, including regulatory or legislative developments, (26) adverse impacts (including costs, fines, reputational harm, or other negative effects) from current or future litigation, regulatory examinations, or other legal and/or regulatory actions, (27) the risk that expected cost savings and revenue synergies from (a) the merger of the Company and Tennessee Community Bank Holdings, Inc. (“TCB Holdings”) (the “TCB Holdings Transaction”) or (b) the merger of the Company and First Advantage Bancorp (“FABK”) (the “FABK Transaction” and, together with the TCB Holdings Transaction, collectively, the “Transactions”), may not be realized or may take longer than anticipated to be realized, (28) the effect of the Transactions on our customer, supplier, or employee relationships and operating results (including without limitation difficulties in maintaining relationships with employees and customers), as well as on the market price of the Company’s common stock, (29) the risk that the businesses and operations of TCB Holdings and its subsidiaries and of FABK and its subsidiaries cannot be successfully integrated with the business and operations of the Company and its subsidiaries or that integration will be more costly or difficult than expected, (30) the amount of costs, fees, expenses, and charges related to the Transactions, including those arising as a result of unexpected factors or events, (31) reputational risk associated with and the reaction of our customers, suppliers, employees, or other business partners to the Transactions, (32) the risk associated with Company management’s attention being diverted away from the day-to-day business and operations of the Company to the integration of the Transactions, and (33) general competitive, economic, political, and market conditions, including economic conditions in the local markets where we operate.

These forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those suggested by the forward-looking statements. Forward-looking statements should therefore be considered in light of various factors, including those set forth in this Annual Report under “Item 1A. Risk Factors,” and in “Item 7. Management's

Discussion and Analysis of Financial Condition and Results of Operations,” and elsewhere in this Annual Report. In light of such risks and uncertainties, we caution you not to place undue reliance on these forward-looking statements. These forward-looking statements speak only as of the date of this Annual Report, or if earlier, as of the date they were made. We do not intend to, and disclaim any obligation to, update or revise any forward-looking statements unless required by applicable securities law.