First Resource Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 14.88 percentage points lower than in Q1 2026, at 88.40%. Within Minnesota, First Resource Bank is 158th of 221 on return on assets, 1.05% as of Q2 2026. First Resource Bank reported 1.05% on return on assets for Q2 2026, 0.22 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.62% |
| Tier 1 risk-based capital ratio | 11.62% |
| Total risk-based capital ratio | 12.77% |
| Tier 1 leverage ratio | 8.34% |
| Equity capital to assets | 9.26% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 1.21% |
| Texas ratio | 0.77% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 1153.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 12.02% |
| Net interest margin | 3.87% |
| Efficiency ratio | 62.06% |
| Yield on earning assets | 5.65% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.40% |
| Core deposits to total deposits | 94.57% |
| Brokered deposits to total deposits | 0.39% |
| Deposits to assets | 82.36% |
| Securities to assets | 15.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 10.91% | 12.14% | 8.75% | 0.54% |
| Q4 2023 | 11.14% | 11.14% | 12.39% | 8.49% | 0.56% |
| Q1 2024 | 11.06% | 11.06% | 12.31% | 8.53% | 0.72% |
| Q2 2024 | 10.39% | 10.39% | 11.64% | 8.55% | 0.74% |
| Q3 2024 | 10.91% | 10.91% | 12.16% | 8.29% | 0.77% |
| Q4 2024 | 11.01% | 11.01% | 12.26% | 8.42% | 0.81% |
| Q1 2025 | 11.13% | 11.13% | 12.38% | 8.14% | 0.75% |
| Q2 2025 | 10.51% | 10.51% | 11.77% | 8.13% | 0.85% |
| Q3 2025 | 10.38% | 10.38% | 11.62% | 8.09% | 0.89% |
| Q4 2025 | 10.16% | 10.16% | 11.42% | 8.14% | 0.22% |
| Q1 2026 | 12.15% | 12.15% | 13.41% | 9.29% | 0.70% |
| Q2 2026 | 11.62% | 11.62% | 12.77% | 8.34% | 1.05% |
First Resource Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Resource Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58039) · FFIEC NIC profile (RSSD 3314043)