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Resource Bank, National Association

Dekalb, IL · Cert 3701 · Resource Bancshares Inc.

National charter · OCC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

53

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, National Association

Dekalb, IL · Cert 3701 · Resource Bancshares Inc.

National charter · OCC · 15 branches

Q2 2026

$868.6MAssets
$512.1MLoans
$799.8MDeposits
$66.4MEquity
Loan mix
89%RE $423.4M10%C&I $46.0M1%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $618.2M23%Noninterest $181.6MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.25%Q2 ’254.51%Q2 ’26+6%+14%

Non-interest income vs. expense

2.77%Q2 ’243.02%Q2 ’253.11%Q2 ’26+9%+4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #54 of 147 inst. · $0.8B of $630.7B

24.5% DeKalb
0.2% Kane
0.8% La Salle

Executive Summary

  • Earnings: ROA of 1.10%, up 29 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 2.44% of loans (+92 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.52%, up 14 bps from a year ago.
  • Funding: loans stand at 64.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+43 bps YoY

Efficiency Ratio (YTD, annualized)

69.20%-533 bps YoY

Tier 1 Leverage Ratio

8.52%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.82%0.78%1.02%1.10%+29 bps
Return on Equity12.47%12.26%11.52%13.87%14.84%+237 bps
Net Interest Margin3.02%3.06%3.06%3.41%3.45%+43 bps
Efficiency Ratio74.53%73.48%73.14%71.47%69.20%-533 bps
Non-Interest Burden1.99%1.97%1.96%2.13%2.07%+8 bps
Growth
Asset Growth (YoY)0.34%1.34%6.00%6.62%4.91%+457 bps
Loan Growth (YoY)2.31%3.17%4.36%1.81%-0.42%-273 bps
Deposit Growth (YoY)5.28%6.68%4.72%5.69%4.04%-124 bps
Asset Quality
Nonperforming Loans / Loans1.52%2.51%2.21%2.19%2.44%+92 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.99%1.11%1.15%1.18%+23 bps
Allowance Coverage of NPLs0.6x0.4x0.5x0.5x0.5x-0.1x
Capital
Tier 1 Leverage Ratio8.38%8.36%8.24%8.54%8.52%+14 bps
Total Risk-Based Capital13.55%13.49%13.41%14.11%14.55%+101 bps
Equity / Assets6.81%7.18%7.34%7.32%7.64%+83 bps
Liquidity & Funding
Loans / Deposits66.90%65.32%67.31%64.72%64.03%-287 bps
Liquid Assets / Assets4.59%7.72%3.49%6.90%4.12%-46 bps
CRE / Total Capitaln/a342%345%324%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, National Association

Dekalb, IL · Cert 3701 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Resource Bancshares Inc.

National charter · OCC · 15 branches

Q2 2026

$868.6MAssets
$512.1MLoans
$799.8MDeposits
$66.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 57).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.10%

Rank 22 of 57

Net Interest Margin

3.45%

Rank 35 of 57

Efficiency Ratio

69.20%

Rank 28 of 57

Equity / Assets

7.64%

Rank 55 of 57

Non-interest income vs. expense

$9.2M$27.6MINCOMEEXPENSE
Unfavorable gap of $18.3M · efficiency ratio beats 53% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 69.20%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.51%0.84%1.19%Beats 61%22 / 57
Return on Equity14.38%3.13%7.76%11.40%Beats 95%3 / 57
Net Interest Margin3.45%3.16%3.63%4.08%Beats 39%35 / 57
Efficiency Ratio69.20%59.57%69.70%81.06%Beats 53%28 / 57
Asset Quality
Nonperforming Loans / Loans2.44%0.06%0.34%1.78%Beats 18%47 / 56
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 27%42 / 56
Capital
Tier 1 Capital Ratio13.46%12.24%16.06%19.69%Beats 35%37 / 57
Total Risk-Based Capital Ratio14.55%12.54%16.50%20.95%Beats 42%33 / 57
Equity / Assets7.64%9.37%11.56%15.00%Beats 4%55 / 57
Liquidity & Funding
Loans / Deposits64.03%66.29%85.59%95.16%19th pctl46 / 57
Loans / Assets58.96%57.07%71.07%78.13%30th pctl40 / 57
Brokered Deposits / Depositsn/aNot reported for this institution