Resource Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Resource Bank, N.A. is an FDIC-insured commercial bank headquartered in Dekalb, IL, established in 1901 (FDIC certificate 3701), and it is supervised by the OCC. At Q2 2026 it reported total assets of $868.6M, up 4.9% from Q2 2025, the 59th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3701
- Headquarters
- Dekalb, IL
- Established
- 1901
- Total assets, Q2 2026
- $868.6M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 13.46%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 071914358
- Latest call report
- Q2 2026, FFIEC 051 · Resource Bank, N.A. call report
- Holding company
- RESOURCE BANCSHARES, INC.
- Asset rank in state
- 59th of 319 in Illinois
Problem loans are rising at Resource Bank, N.A.. It reported $869 million in assets at June 30, 2026, up 4.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.36% of loans from 1.51% a year earlier. It funds 8.52% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 16.8% of the capital and reserves that would absorb them, 6.4 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $3.2 million, 32% above the same quarter a year earlier. Its $90 million non-owner-occupied commercial real estate book is now fully current, after 1.54% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Resource Bank, N.A. reported a CET1 capital ratio of 13.46%, a return on assets of 1.46%, a nonperforming-loan ratio of 2.44% and a Texas ratio of 16.82%. The figures come from its call report filed with the FFIEC.
Resource Bank, N.A. ranks as the 59th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $868.6M, loans fell 1.0% and deposits were flat. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.0% of total loans, followed by non-owner-occupied commercial real estate loans at 17.7%. The FDIC Summary of Deposits lists 15 offices for it, in 14 cities in IL; its Dekalb 2 offices book 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, Resource Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 555 Bethany Rd, Dekalb, IL 60115
- County
- Dekalb
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 1, 1901
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 186
- Domestic deposits
- $799.8M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $887.1M
- Average total loans
- $511.3M
- Average interest-bearing deposits
- $628.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3701
- Fed RSSD
- 235530
- Website
- www.resourcebank.com →
- Parent Holding Company
- RESOURCE BANCSHARES, INC. (RSSD 1207945)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Resource Bank, N.A.'s total assets ranged from $747.4M (Q3 2023) to $868.7M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$868.6M total assets against $828.0M; $802.3M total liabilities against $771.6M.
$506.1M net loans and leases against $509.4M; $799.8M total deposits against $768.7M.
$290.7M securities against $241.1M; $45.8M cash and balances due against $51.1M.
$10.3M total interest income against $9.3M; $2.4M total interest expense against $2.7M.
$7.9M net interest income against $6.6M.
$2.3M total noninterest income against $2.2M; $6.8M total noninterest expense against $6.3M.
$71K provision for credit losses against $28K.
$3.2M net income against $2.4M.
1.46% return on assets against 1.15%; 3.83% net interest margin against 3.33%.
13.46% CET1 capital ratio against 12.66%; 8.52% tier 1 leverage ratio against 8.38%.
Inside the full Resource Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Resource Bank, N.A. rankings
Its closest position to the top of a national ranking is 246 of 3,640, for Texas Ratio; its furthest is 2,336 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.82% (Q4 2025) to 1.46% (Q2 2026) and its net interest margin ran from 2.97% (Q3 2024) to 3.83% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.46% | 1.46% | 2.44% | 16.82% | 3.83% |
| Q1 2026 | 13.04% | 1.27% | 2.19% | 15.85% | 3.67% |
| Q4 2025 | 12.37% | 0.82% | 2.21% | 16.77% | 3.48% |
| Q3 2025 | 12.57% | 1.03% | 2.51% | 19.20% | 3.40% |
| Q2 2025 | 12.66% | 1.15% | 1.52% | 13.19% | 3.33% |
| Q1 2025 | 12.45% | 0.85% | 1.76% | 15.96% | 3.22% |
| Q4 2024 | 12.20% | 1.02% | 1.79% | 17.11% | 3.10% |
| Q3 2024 | 12.28% | 0.96% | 1.67% | 15.08% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Resource Bank, N.A. (main office) | Dekalb , IL | 60115 | $245.9M |
| Genoa Branch | Genoa , IL | 60135 | $94.7M |
| Hinckley Branch | Hinckley , IL | 60520 | $81.6M |
| Sycamore Branch | Sycamore , IL | 60178 | $75.1M |
| Resource Bank, National Assoication Branch | Somonauk , IL | 60552 | $50.5M |
| Malta Branch | Malta , IL | 60150 | $48.9M |
| Annie Glidden Branch | Dekalb , IL | 60115 | $46.6M |
| Shabbona Branch | Shabbona , IL | 60550 | $32.6M |
| Cortland Branch | Cortland , IL | 60112 | $32.3M |
| Hampshire Branch | Hampshire , IL | 60140 | $24.5M |
| Kirkland Branch | Kirkland , IL | 60146 | $20.4M |
| Leland Branch | Leland , IL | 60531 | $15.3M |
| Serena Branch | Serena , IL | 60549 | $13.6M |
| Kaneville Branch | Kaneville , IL | 60144 | $12.5M |
| Earlville Branch | Earlville , IL | 60518 | $5.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve, OCC)
- February 11, 2010, OCC: Formal Agreement: Resource Bank, National Association
- October 28, 1991, Federal Reserve: Written Agreement: Resource Bank, Virginia Beach, VA
- Period: Most recent institution action February 11, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 74 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 111 applications, 103 loans originated, $26.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Resource Bank, N.A.
What are Resource Bank, N.A.'s total assets?
As of the Q2 2026 filing, Resource Bank, N.A. reported total assets of $868.6 million in its FFIEC call report.
Where is Resource Bank, N.A. headquartered?
It is headquartered in Dekalb, IL, United States.
When was Resource Bank, N.A. founded?
It was established in 1901, per the FDIC institution directory.
Is Resource Bank, N.A. FDIC-insured?
Yes. It 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.
What is Resource Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Resource Bank, N.A. operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Resource Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 16.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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