Resource Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Resource Bank, N.A. is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Resource Bank reported $869M in total assets against $800M in deposits. Profitability is strong, 1.46% ROA, paired with 19.97% ROE and a 3.83% net interest margin. Regulatory capital is solid, 13.46% CET1 and 14.55% total risk-based capital ratio. Credit conditions bear watching: 2.65% NPL ratio with a 19.59% Texas Ratio (elevated but below the 100% concern level). Resource Bank operates a 15-branch network.
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 2.65%, a Texas ratio of 19.59%, per financial data filed with the FFIEC.
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
- Offices
- 15 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Resource Bank, N.A. terminal
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Unlock Resource Bank, N.A., 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.46% | 1.46% | 2.65% | 19.59% | 3.83% |
| Q1 2026 | 13.04% | 1.27% | 2.38% | 18.60% | 3.67% |
| Q4 2025 | 12.37% | 0.82% | 2.37% | 19.78% | 3.48% |
| Q3 2025 | 12.57% | 1.03% | 2.62% | 22.37% | 3.40% |
| Q2 2025 | 12.66% | 1.15% | 1.76% | 16.03% | 3.33% |
| Q1 2025 | 12.45% | 0.85% | 1.85% | 19.07% | 3.22% |
| Q4 2024 | 12.20% | 1.02% | 1.79% | 20.70% | 3.10% |
| Q3 2024 | 12.28% | 0.96% | 1.82% | 19.01% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| 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
What the public regulatory sources show for Resource Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Resource Bank, N.A. headquartered?
Resource Bank, N.A. is headquartered in Dekalb, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Resource Bank, N.A. founded?
Resource Bank, N.A. was established in 1901, per the FDIC institution directory.
Is Resource Bank, N.A. FDIC-insured?
Yes. Resource Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Resource Bank, N.A.'s CET1 capital ratio?
Resource Bank, N.A. 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?
Resource Bank, N.A. 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?
Resource Bank, N.A.'s Texas Ratio is 19.59% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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