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
Unfavorable gap of $26.1M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.60% | 1.01% | 1.45% | Beats 74% | 161 / 629 | | |
| Return on Equity | 11.69% | 5.38% | 9.30% | 13.28% | Beats 65% | 220 / 629 | | |
| Net Interest Margin | 4.20% | 3.03% | 3.54% | 4.05% | Beats 81% | 118 / 629 | | |
| Efficiency Ratio | 66.60% | 58.35% | 67.79% | 79.08% | Beats 54% | 290 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 80% | 120 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 73% | 159 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 11.24% | 13.84% | 18.77% | Beats 41% | 370 / 629 | | |
| Total Risk-Based Capital Ratio | 12.80% | 11.58% | 14.43% | 19.66% | Beats 37% | 399 / 629 | | |
| Equity / Assets | 12.30% | 9.09% | 10.65% | 13.80% | Beats 66% | 213 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.30% | 67.24% | 80.90% | 93.48% | 90th pctl | 58 / 594 | | |
| Loans / Assets | 84.58% | 53.31% | 67.71% | 78.15% | 91st pctl | 56 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |