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Resource Bank

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

Covington, LA

11 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits -1.2% year over year ($803.0M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.48%.
  • Efficiency ratio 66.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Resource Bank has 3 strengths but faces 4 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

  • + Credit Quality Leader: Top 7.7% in tier
  • + ROA 0.16% above tier average
  • + Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.2% in tier
  • - Credit Risk Growth: Bottom 12.6% in tier
  • - Loan-to-Deposit Ratio 24.93% above tier average
  • - Efficiency Ratio 2.12% above tier average
Get updates when Resource Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $980.7M
+2.6% YoY +4.8% QoQ
+$594.2M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
Top 0.8% in tier
Total Loans ? $826.1M
+4.9% YoY +4.2% QoQ
+$567.8M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Top 0.2% in tier
Total Deposits ? $803.0M
-1.2% YoY +0.2% QoQ
+$476.3M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
Top 2.0% in tier
Return on Assets ? 1.48%
+46.3% YoY -17.8% QoQ
+0.16% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 4.47%
+12.1% YoY +1.0% QoQ
+0.48% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 66.60%
-2.2% YoY -2.2% QoQ
+2.12% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.05%
+52.4% YoY +193.5% QoQ
-0.87% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 102.88%
+6.2% YoY +4.0% QoQ
+24.93% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Bottom 7.1% in tier
Non-Interest-Bearing Deposit Share ? 27.17%
+15.6% YoY +3.4% QoQ
+5.14% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.04%
-62.8% YoY +191.7% QoQ
-0.63% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 12.80%
+6.9% YoY -0.1% QoQ
-3.11% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.11%
+7.5% YoY +102.5% QoQ
-0.45% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 27.2%
+3.7pp YoY
+0.9pp QoQ
 +5.0pp 22.1% 24.6% 22.2% 73%
Brokered Deposits 2.7%
-3.0pp YoY
-2.3pp QoQ
 -5.2pp 7.9% 6.7% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 3.1%
-0.4pp YoY
0.0pp QoQ
 -8.4pp 11.6% 12.6% 12.5% 10%
CRE 65.9%
-1.5pp YoY
+1.0pp QoQ
 +26.3pp 39.5% 44.9% 41.4% 90%
1-4 Family 30.2%
+1.7pp YoY
-1.2pp QoQ
 -2.4pp 32.6% 34.2% 31.3% 52%
Consumer 1.1%
0.0pp YoY
+0.3pp QoQ
 -3.0pp 4.1% 4.2% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 12.8%
+0.8pp YoY
0.0pp QoQ
 +0.6pp 12.2% 13.4% 12.6% 73%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 164
+9 (+5.8%) YoY
+2 (+1.2%) QoQ
 +105 58 114 482 98%
Assets per Employee ($) $6.0M
-3.0% YoY
+3.6% QoQ
 -$1.5M $7.5M $6.8M $8.8M 33%
Branch Count 11
0 YoY
0 QoQ
 +6 4 9 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.4% 1.0% 12%
Allowance Coverage 8.10x
-56.0% YoY
-66.0% QoQ
 -16.06x 24.15x 27.36x 20.23x 79%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 11.9%
+3.1pp YoY
-2.5pp QoQ
 -0.2pp 12.2% 12.5% 11.6% 50%
Cost of Funds (YTD) 1.4%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 30%
Net Income ($, YTD) $7.1M
+43.8% YoY
— QoQ
 +$4.5M $2.6M $5.1M $40.4M 96%

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)

Credit Quality Leader

growth
#52 of 659 • Top 7.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#67 of 1256 • Bottom 5.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#119 of 936 • Bottom 12.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

5
Total Loans
size
Value: $826.11M
Peer Median: $258.35M
#5 of 2643 Top 0.2% in $100M-$1B
21
Total Assets
size
Value: $980.75M
Peer Median: $386.57M
#21 of 2643 Top 0.8% in $100M-$1B
54
Total Deposits
size
Value: $803.00M
Peer Median: $326.73M
#54 of 2643 Top 2.0% in $100M-$1B
538
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#538 of 2643 Top 20.3% in $100M-$1B
557
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#557 of 2633 Top 21.1% in $100M-$1B
570
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.99%
#570 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (2 metrics)

2457
Loan-to-Deposit Ratio
liquidity
Value: 102.88%
Peer Median: 77.95%
#2457 of 2643 Bottom 7.1% in $100M-$1B
2029
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2029 of 2643 Bottom 23.3% in $100M-$1B
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