Resource Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 14.7% higher than in Q1 2026, at -$9.2M. Resource Bank, N.A. ranks 132nd of 198 Illinois banks on CET1 ratio, in the lower half at 13.46% (Q2 2026). Resource Bank, N.A. reported 13.46% on CET1 ratio for Q2 2026, 1.61 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.46% |
| Tier 1 risk-based capital ratio | 13.46% |
| Total risk-based capital ratio | 14.55% |
| Tier 1 leverage ratio | 8.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $75.6M |
| Tier 1 capital | $75.6M |
| Total risk-based capital | $81.7M |
| Total equity capital | $66.4M |
| Risk-weighted assets | $561.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.64% |
| Tangible equity to tangible assets | 7.64% |
| Equity capital to average assets | 7.48% |
| Internal capital growth rate | 9.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $5.1M |
| Retained earnings | $70.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.23% | 12.23% | 13.16% | 8.24% | $524.6M |
| Q4 2023 | 12.16% | 12.16% | 13.06% | 8.36% | $536.8M |
| Q1 2024 | 11.94% | 11.94% | 12.82% | 8.14% | $555.9M |
| Q2 2024 | 12.05% | 12.05% | 12.94% | 7.97% | $558.5M |
| Q3 2024 | 12.28% | 12.28% | 13.16% | 7.97% | $554.8M |
| Q4 2024 | 12.20% | 12.20% | 13.06% | 8.07% | $565.5M |
| Q1 2025 | 12.45% | 12.45% | 13.33% | 8.47% | $559.0M |
| Q2 2025 | 12.66% | 12.66% | 13.55% | 8.38% | $560.5M |
| Q3 2025 | 12.57% | 12.57% | 13.49% | 8.36% | $573.0M |
| Q4 2025 | 12.37% | 12.37% | 13.41% | 8.24% | $585.6M |
| Q1 2026 | 13.04% | 13.04% | 14.11% | 8.54% | $568.0M |
| Q2 2026 | 13.46% | 13.46% | 14.55% | 8.52% | $561.5M |
Resource Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Resource Bank, N.A., freeSource: Call Report Schedule RC-R, 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 Resource Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3701) · FFIEC NIC profile (RSSD 235530)