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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

4.46%Q2 ’244.39%Q2 ’254.64%Q2 ’26+7%+14%

Non-interest income vs. expense

2.79%Q2 ’242.96%Q2 ’253.08%Q2 ’26+7%+6%

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 1.19%, up 24 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 2.44% of loans (+92 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.19%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.56%+44 bps YoY

Efficiency Ratio (quarter, annualized)

67.02%-443 bps YoY

Tier 1 Leverage Ratio

8.52%+14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.84%0.67%1.02%1.19%+24 bps
Return on Equity14.31%12.03%9.24%13.87%15.92%+161 bps
Net Interest Margin3.12%3.24%3.25%3.41%3.56%+44 bps
Efficiency Ratio71.45%71.55%72.19%71.47%67.02%-443 bps
Non-Interest Burden1.93%2.02%2.05%2.13%2.05%+11 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 / Loans-0.01%-0.01%0.00%0.00%-0.01%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