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Resource Bank

Covington, LA · Cert 34803 · Resource Bankshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Resource Bank

Covington, LA · Cert 34803 · Resource Bankshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$980.7MAssets
$829.5MLoans
$803.0MDeposits
$120.6MEquity
Loan mix
96%RE $764.7M3%C&I $25.0M1%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $584.8M27%Noninterest $218.2MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.36%Q2 ’255.51%Q2 ’26+17%+13%

Non-interest income vs. expense

2.49%Q2 ’242.67%Q2 ’252.95%Q2 ’26+8%+10%

Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 8.1% share · #6 of 26 inst. · $0.6B of $7.9B

8.1% St. Tammany
14.1% Washington
0.1% Orleans
0.2% Jefferson

Executive Summary

  • Earnings: ROA of 1.48%, up 47 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.05% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.80%, up 83 bps from a year ago.
  • Funding: loans stand at 103.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+47 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+49 bps YoY

Efficiency Ratio (YTD, annualized)

66.60%-150 bps YoY

Tier 1 Leverage Ratio

12.80%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.07%1.10%1.80%1.48%+47 bps
Return on Equity8.81%9.19%9.36%14.49%11.95%+314 bps
Net Interest Margin3.71%3.92%3.97%4.16%4.20%+49 bps
Efficiency Ratio68.10%67.24%66.20%68.09%66.60%-150 bps
Non-Interest Burden2.46%2.56%2.56%2.76%2.72%+26 bps
Growth
Asset Growth (YoY)-4.51%-3.91%-1.42%-6.25%2.60%+711 bps
Loan Growth (YoY)4.77%3.33%3.70%1.16%4.70%-7 bps
Deposit Growth (YoY)4.95%1.79%1.87%-4.74%-1.22%-618 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.04%0.04%0.02%0.05%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.61%0.61%0.61%0.41%0.41%-20 bps
Allowance Coverage of NPLs18.4x14.6x15.1x23.8x8.1x-10.3x
Capital
Tier 1 Leverage Ratio11.97%12.13%12.31%12.81%12.80%+83 bps
Total Risk-Based Capital11.97%12.13%12.31%12.81%12.80%+83 bps
Equity / Assets11.92%12.02%12.20%12.66%12.30%+38 bps
Liquidity & Funding
Loans / Deposits97.46%98.30%99.31%99.35%103.30%+584 bps
Liquid Assets / Assets1.35%0.70%0.81%0.78%2.86%+151 bps
CRE / Total Capitaln/a442%437%426%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Resource Bank

Covington, LA · Cert 34803 · Peer group: banks under $1B in assets (n=581-629) · Resource Bankshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$980.7MAssets
$829.5MLoans
$803.0MDeposits
$120.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets (rank 118 of 629).
  • Widest gap: total risk-based capital ratio trails 63% of banks under $1B in assets (rank 399 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.44%

Rank 161 of 629

Net Interest Margin

4.20%

Rank 118 of 629

Efficiency Ratio

66.60%

Rank 290 of 629

Equity / Assets

12.30%

Rank 213 of 629

Non-interest income vs. expense

$2.2M$28.3MINCOMEEXPENSE
Unfavorable gap of $26.1M · efficiency ratio beats 54% of banks under $1B in assets
Bank 66.60%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.60%1.01%1.45%Beats 74%161 / 629
Return on Equity11.69%5.38%9.30%13.28%Beats 65%220 / 629
Net Interest Margin4.20%3.03%3.54%4.05%Beats 81%118 / 629
Efficiency Ratio66.60%58.35%67.79%79.08%Beats 54%290 / 629
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.46%1.20%Beats 80%120 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 73%159 / 581
Capital
Tier 1 Capital Ratio12.80%11.24%13.84%18.77%Beats 41%370 / 629
Total Risk-Based Capital Ratio12.80%11.58%14.43%19.66%Beats 37%399 / 629
Equity / Assets12.30%9.09%10.65%13.80%Beats 66%213 / 629
Liquidity & Funding
Loans / Deposits103.30%67.24%80.90%93.48%90th pctl58 / 594
Loans / Assets84.58%53.31%67.71%78.15%91st pctl56 / 629
Brokered Deposits / Depositsn/aNot reported for this institution