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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.84% | 0.67% | 0.95% | 0.84% | 0.67% | 1.02% | 1.19% | +24 bps | |
| Return on Equity | 13.44% | 13.58% | 10.60% | 14.31% | 12.03% | 9.24% | 13.87% | 15.92% | +161 bps | |
| Net Interest Margin | 2.79% | 2.90% | 3.01% | 3.12% | 3.24% | 3.25% | 3.41% | 3.56% | +44 bps | |
| Efficiency Ratio | 75.25% | 73.90% | 77.76% | 71.45% | 71.55% | 72.19% | 71.47% | 67.02% | -443 bps | |
| Non-Interest Burden | 1.86% | 1.88% | 2.10% | 1.93% | 2.02% | 2.05% | 2.13% | 2.05% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.69% | 2.52% | 0.71% | 0.34% | 1.34% | 6.00% | 6.62% | 4.91% | +457 bps | |
| Loan Growth (YoY) | 13.00% | 8.14% | 4.73% | 2.31% | 3.17% | 4.36% | 1.81% | -0.42% | -273 bps | |
| Deposit Growth (YoY) | 5.97% | 8.83% | 6.43% | 5.28% | 6.68% | 4.72% | 5.69% | 4.04% | -124 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.67% | 1.79% | 1.76% | 1.52% | 2.51% | 2.21% | 2.19% | 2.44% | +92 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 0.94% | 0.92% | 0.95% | 0.95% | 0.99% | 1.11% | 1.15% | 1.18% | +23 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.5x | 0.6x | 0.4x | 0.5x | 0.5x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.97% | 8.07% | 8.47% | 8.38% | 8.36% | 8.24% | 8.54% | 8.52% | +14 bps | |
| Total Risk-Based Capital | 13.16% | 13.06% | 13.33% | 13.55% | 13.49% | 13.41% | 14.11% | 14.55% | +101 bps | |
| Equity / Assets | 6.21% | 6.19% | 6.48% | 6.81% | 7.18% | 7.34% | 7.32% | 7.64% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.54% | 67.54% | 67.18% | 66.90% | 65.32% | 67.31% | 64.72% | 64.03% | -287 bps | |
| Liquid Assets / Assets | 8.66% | 3.27% | 4.05% | 4.59% | 7.72% | 3.49% | 6.90% | 4.12% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 342% | 345% | 324% | n/a | n/a | |