BlastPoint's Banking Scorecard

Resource Bank

$100M-$1B Specialty: Commercial LA FDIC cert 34803

Covington, LA

11 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Resource Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 14.7% in tier
+ Net Interest Margin 0.49% above tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29.7% in tier
- Capital Constraint: Bottom 54.6% in tier
- Efficiency Ratio 2.80% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$935.4M -6.2% YoY -0.8% QoQ	+$549.3M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Top 2.6% in tier
Total Loans ?	$792.8M +1.4% YoY -0.1% QoQ	+$537.1M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Top 0.4% in tier
Total Deposits ?	$801.2M -4.7% YoY -0.3% QoQ	+$473.3M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 2.2% in tier
Return on Assets ?	1.80% +89.9% YoY +64.1% QoQ	+0.53%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.42% +16.0% YoY +5.8% QoQ	+0.49%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	68.09% -2.9% YoY +2.9% QoQ	+2.80%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.02% -85.8% YoY -57.1% QoQ	-0.87%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	98.94% +6.4% YoY +0.2% QoQ	+22.30%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Bottom 9.7% in tier
Non-Interest-Bearing Deposit Share ?	26.28% +10.9% YoY +14.6% QoQ	+4.26%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.01% -90.9% YoY -80.7% QoQ	-0.62%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	85%
Tier 1 Capital Ratio ?	12.81% +7.4% YoY +4.0% QoQ	-3.02%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.06% +12.7% YoY -71.6% QoQ	-0.22%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#99 of 666 • Top 14.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.80%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Liquidity Strain

risk

#192 of 643 • Bottom 29.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.94%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#60 of 108 • Bottom 54.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 98.94%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.81%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Total Loans

size

Value: $792.77M

Peer Median: $255.72M

#11 of 2664 Top 0.4% in $100M-$1B

Total Deposits

size

Value: $801.24M

Peer Median: $327.97M

#60 of 2664 Top 2.2% in $100M-$1B

Total Assets

size

Value: $935.38M

Peer Median: $386.08M

#69 of 2664 Top 2.6% in $100M-$1B

406

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#406 of 2664 Top 15.2% in $100M-$1B

408

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#408 of 2654 Top 15.3% in $100M-$1B

489

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.27%

#489 of 2664 Top 18.3% in $100M-$1B

561

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#561 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (2 metrics)

2407

Loan-to-Deposit Ratio

liquidity

Value: 98.94%

Peer Median: 76.64%

#2407 of 2664 Bottom 9.7% in $100M-$1B

2049

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2049 of 2664 Bottom 23.1% in $100M-$1B