Covington, LA · Cert 34803 · Resource Bankshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 8.1% share · #6 of 26 inst. · $0.6B of $7.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.07% | 1.10% | 1.80% | 1.48% | +47 bps | |
| Return on Equity | 8.81% | 9.19% | 9.36% | 14.49% | 11.95% | +314 bps | |
| Net Interest Margin | 3.71% | 3.92% | 3.97% | 4.16% | 4.20% | +49 bps | |
| Efficiency Ratio | 68.10% | 67.24% | 66.20% | 68.09% | 66.60% | -150 bps | |
| Non-Interest Burden | 2.46% | 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 / Loans | 0.03% | 0.04% | 0.04% | 0.02% | 0.05% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.61% | 0.61% | 0.61% | 0.41% | 0.41% | -20 bps | |
| Allowance Coverage of NPLs | 18.4x | 14.6x | 15.1x | 23.8x | 8.1x | -10.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.97% | 12.13% | 12.31% | 12.81% | 12.80% | +83 bps | |
| Total Risk-Based Capital | 11.97% | 12.13% | 12.31% | 12.81% | 12.80% | +83 bps | |
| Equity / Assets | 11.92% | 12.02% | 12.20% | 12.66% | 12.30% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.46% | 98.30% | 99.31% | 99.35% | 103.30% | +584 bps | |
| Liquid Assets / Assets | 1.35% | 0.70% | 0.81% | 0.78% | 2.86% | +151 bps | |
| CRE / Total Capital | n/a | 442% | 437% | 426% | n/a | n/a | |