RESOURCE BANK, NATIONAL ASSOCIATION

DEKALB, IL | Medium | Est. Oct. 1, 1901, midnight | FDIC #3701 | RSSD #235530 | OCC
Latest Report: 2025-12-31

RESOURCE BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in DEKALB, IL, established in Oct. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $862M and total deposits of $795M. Profitability stands at 0.84% ROA and 11.51% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 12.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.07% and a Texas Ratio of 16.45%. FDIC Certificate #3701.

Assets

$862M

Deposits

$795M

Loans

$535M

Equity

$63M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 11.51%
Net Interest Margin (NIM) 3.59%
Yield on Assets 4.95%
Cost of Funds 1.35%

Asset Quality

NPL Ratio 2.07%
Net Charge-Off Ratio 0.00%
Texas Ratio 16.45%
NPA Ratio 1.32%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 12.37%
Tier 1 Capital 12.37%
Total Capital Ratio 13.41%
Leverage Ratio 8.24%
Loan-to-Deposit 67.31%

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