PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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