Resource Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Resource Bank, N.A. of Dekalb, IL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.34% | +0.12% | 61st above |
| ROAE | 19.97% | 13.32% | +6.65% | 87th top |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 44th below |
| Efficiency Ratio | 64.82% | 61.13% | +3.69% | 40th below |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 1.19% | 1.88% | -0.69% | 85th top |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.65% | 0.94% | +1.71% | 8th bottom |
| NPA / Total Assets | 1.57% | 0.70% | +0.87% | 11th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) | 44.57% | 1547.50% | -1502.93% | 9th bottom |
| Texas Ratio | 19.59% | 7.33% | +12.26% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.46% | 19.49% | -6.03% | 33rd below |
| Tier 1 Ratio | 13.46% | 19.53% | -6.07% | 33rd below |
| Total Capital Ratio | 14.55% | 20.61% | -6.06% | 32nd below |
| Leverage Ratio | 8.52% | 12.14% | -3.62% | 6th bottom |
| Equity / Assets | 7.64% | 11.37% | -3.73% | 10th bottom |
| TCE / Tangible Assets | 7.64% | 11.09% | -3.45% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.03% | 80.68% | -16.65% | 79th top |
| Core Deposit Ratio | 94.12% | 86.84% | +7.28% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.91% | 6.84% | -1.93% | 54th above |
| Loan Growth (Y/Y) | -0.42% | 7.92% | -8.34% | 21st bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.04% | 6.29% | -2.25% | 50th above |
See Resource Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Resource Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Resource Bank, N.A. profile, how to read a UBPR, or how this data updates.