RESOURCE BANK, NATIONAL ASSOCIATION
RESOURCE BANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in DEKALB, IL, established in 1901. As of , 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 3.37%. CET1 capital ratio: 12.37%, well above regulatory minimums. NPL ratio: 2.37% · Texas Ratio: 18.73%. Operates 15 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Resource Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.37% | 0.84% | 2.37% | 18.73% | 3.37% |
| 2025-09-30 | 12.57% | 1.05% | 2.62% | 20.78% | 3.30% |
| 2025-06-30 | 12.66% | 1.19% | 1.76% | 15.24% | 3.24% |
| 2025-03-31 | 12.45% | 0.86% | 1.85% | 16.89% | 3.14% |
| 2024-12-31 | 12.20% | 1.05% | 1.79% | 17.23% | 3.01% |
| 2024-09-30 | 12.28% | 0.98% | 1.82% | 16.43% | 2.89% |
| 2024-06-30 | 12.05% | 1.09% | 1.94% | 20.12% | 3.02% |
| 2024-03-31 | 11.94% | 0.96% | 1.90% | 18.80% | 3.02% |
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Frequently asked about RESOURCE BANK, NATIONAL ASSOCIATION
What are Resource Bank, N.A.'s total assets?
As of the Q4 2025 filing, Resource Bank, N.A. reported total assets of $861.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Resource Bank, N.A. headquartered?
Resource Bank, N.A. is headquartered in DEKALB, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Resource Bank, N.A. founded?
Resource Bank, N.A. was established in 1901, per the FDIC institution directory.
Is Resource Bank, N.A. FDIC-insured?
Yes. Resource Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Resource Bank, N.A.?
Resource Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Resource Bank, N.A.'s CET1 capital ratio?
Resource Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.37% in its most recent quarterly filing — above regulatory minimums.
How many branches does Resource Bank, N.A. operate?
Resource Bank, N.A. operates 15 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Resource Bank, N.A.'s Texas Ratio?
Resource Bank, N.A.'s Texas Ratio is 18.73% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.