Dekalb, IL · Cert 3701 · Resource Bancshares Inc.
National charter · OCC · 15 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #54 of 147 inst. · $0.8B of $630.7B
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 | 0.81% | 0.82% | 0.78% | 1.02% | 1.10% | +29 bps | |
| Return on Equity | 12.47% | 12.26% | 11.52% | 13.87% | 14.84% | +237 bps | |
| Net Interest Margin | 3.02% | 3.06% | 3.06% | 3.41% | 3.45% | +43 bps | |
| Efficiency Ratio | 74.53% | 73.48% | 73.14% | 71.47% | 69.20% | -533 bps | |
| Non-Interest Burden | 1.99% | 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 / Loans | 1.52% | 2.51% | 2.21% | 2.19% | 2.44% | +92 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.99% | 1.11% | 1.15% | 1.18% | +23 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 0.5x | 0.5x | 0.5x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.38% | 8.36% | 8.24% | 8.54% | 8.52% | +14 bps | |
| Total Risk-Based Capital | 13.55% | 13.49% | 13.41% | 14.11% | 14.55% | +101 bps | |
| Equity / Assets | 6.81% | 7.18% | 7.34% | 7.32% | 7.64% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.90% | 65.32% | 67.31% | 64.72% | 64.03% | -287 bps | |
| Liquid Assets / Assets | 4.59% | 7.72% | 3.49% | 6.90% | 4.12% | -46 bps | |
| CRE / Total Capital | n/a | 342% | 345% | 324% | n/a | n/a | |