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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 $5.4MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $618.2M23%Noninterest $181.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.82%0.67%0.81%0.82%0.78%1.02%1.10%+29 bps
Return on Equity13.89%13.98%10.60%12.47%12.26%11.52%13.87%14.84%+237 bps
Net Interest Margin2.81%2.83%3.01%3.02%3.06%3.06%3.41%3.45%+43 bps
Efficiency Ratio73.52%73.62%77.76%74.53%73.48%73.14%71.47%69.20%-533 bps
Non-Interest Burden1.82%1.83%2.10%1.99%1.97%1.96%2.13%2.07%+8 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 / Loans1.67%1.79%1.76%1.52%2.51%2.21%2.19%2.44%+92 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.94%0.92%0.95%0.95%0.99%1.11%1.15%1.18%+23 bps
Allowance Coverage of NPLs0.6x0.5x0.5x0.6x0.4x0.5x0.5x0.5x-0.1x
Capital
Tier 1 Leverage Ratio7.97%8.07%8.47%8.38%8.36%8.24%8.54%8.52%+14 bps
Total Risk-Based Capital13.16%13.06%13.33%13.55%13.49%13.41%14.11%14.55%+101 bps
Equity / Assets6.21%6.19%6.48%6.81%7.18%7.34%7.32%7.64%+83 bps
Liquidity & Funding
Loans / Deposits67.54%67.54%67.18%66.90%65.32%67.31%64.72%64.03%-287 bps
Liquid Assets / Assets8.66%3.27%4.05%4.59%7.72%3.49%6.90%4.12%-46 bps
CRE / Total Capitaln/an/an/an/a342%345%324%n/an/a