Resource Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 13.26 percentage points in Q2 2026, from 226.04% to 212.78%. It was the largest change from Q1 2026 among the key lines here. Resource Bank, N.A. ranks 236th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Resource Bank, N.A. sits 16.80 points lower, at 64.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $512.1M |
| Net loans and leases | $506.1M |
| Loans held for sale | $733K |
| Loans to total assets | 58.96% |
| Loan-to-deposit ratio | 64.03% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.03% |
| Multifamily (5+ residential) | 7.84% |
| Commercial and industrial | 9.28% |
| Consumer | 1.06% |
| Credit cards | 0.00% |
| Farm | 6.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.78% |
| Construction concentration (Tier 1 capital + allowance) | 46.93% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.37% |
| Interest income on loans | $8.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $450.1M | $710.6M | 31.39% | 6.12% | 1.25% |
| Q4 2023 | $474.4M | $697.9M | 32.01% | 6.05% | 1.18% |
| Q1 2024 | $485.4M | $711.0M | 32.40% | 6.24% | 1.04% |
| Q2 2024 | $502.6M | $730.1M | 32.62% | 7.52% | 1.02% |
| Q3 2024 | $508.6M | $753.0M | 32.09% | 7.51% | 1.01% |
| Q4 2024 | $513.0M | $759.5M | 30.81% | 8.10% | 0.98% |
| Q1 2025 | $508.3M | $756.7M | 30.02% | 8.37% | 0.91% |
| Q2 2025 | $514.3M | $768.7M | 29.61% | 8.55% | 1.03% |
| Q3 2025 | $524.7M | $803.3M | 31.24% | 8.57% | 1.04% |
| Q4 2025 | $535.4M | $795.3M | 30.95% | 9.32% | 1.01% |
| Q1 2026 | $517.5M | $799.7M | 30.03% | 8.89% | 1.04% |
| Q2 2026 | $512.1M | $799.8M | 30.03% | 9.28% | 1.06% |
Resource Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Resource Bank, N.A., freeSource: Call Report Schedule RC-C, 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)