BlastPoint's Banking Scorecard

Resource Bank, National Association

$100M-$1B Specialty: Commercial IL FDIC cert 3701

Dekalb, IL

15 branches across IL

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 211 in IL.
Deposits +4.0% year over year ($799.8M on the books).
Delinquency rate 2.47%.
Return on assets 1.38%.
Efficiency ratio 69.20% vs a 64.48% peer average.
Loan-to-deposit ratio 63.28% 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 211 in IL

View $100M-$1B leaderboard (IL) →

Resource Bank, National Association has 2 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

+ Revenue Diversifier: Top 43.6% in tier
+ ROA 0.06% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.55% above tier average
- Net Interest Margin 0.29% below tier average
- Efficiency Ratio 4.72% above tier average

Get updates when Resource Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$868.6M +4.9% YoY +0.4% QoQ	+$482.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 5.0% in tier
Total Loans ?	$506.1M -0.6% YoY -1.1% QoQ	+$247.7M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 11.0% in tier
Total Deposits ?	$799.8M +4.0% YoY +0.0% QoQ	+$473.0M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 2.2% in tier
Return on Assets ?	1.38% +34.6% YoY +8.8% QoQ	+0.06%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	58%
Net Interest Margin ?	3.70% +12.5% YoY +3.0% QoQ	-0.29%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	69.20% -7.2% YoY -3.2% QoQ	+4.72%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	2.47% +60.7% YoY +11.4% QoQ	+1.55%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 9.0% in tier
Loan-to-Deposit Ratio ?	63.28% -4.5% YoY -1.1% QoQ	-14.67%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	22.70% -0.2% YoY -0.8% QoQ	+0.67%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	1.45% +48.0% YoY +9.7% QoQ	+0.78%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 12.4% in tier
Tier 1 Capital Ratio ?	13.46% +6.3% YoY +3.2% QoQ	-2.45%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.53% +0.8% YoY +97.5% QoQ	-0.03%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 8.6% in tier

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	22.7% -0.1pp YoY -0.2pp QoQ	+0.6pp	22.1%	20.1%	22.2%	58%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	9.4% +0.8pp YoY +0.4pp QoQ	-2.2pp	11.6%	14.7%	12.5%	49%
CRE	45.9% -1.0pp YoY -1.0pp QoQ	+6.3pp	39.5%	37.9%	41.4%	64%
1-4 Family	29.4% +0.8pp YoY +0.4pp QoQ	-3.3pp	32.6%	28.3%	31.3%	50%
Consumer	1.1% 0.0pp YoY 0.0pp QoQ	-3.0pp	4.1%	5.4%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.5% +0.8pp YoY +0.4pp QoQ	-5.4pp	18.8%	19.9%	19.7%	33%
Leverage Ratio	8.5% +0.1pp YoY 0.0pp QoQ	-3.7pp	12.2%	12.2%	12.6%	6%
Total Capital Ratio	14.6% +1.0pp YoY +0.4pp QoQ	-5.4pp	19.9%	20.9%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	186 +5 (+2.8%) YoY +3 (+1.6%) QoQ	+127	58	228	482	99%
Assets per Employee ($)	$4.7M +2.1% YoY -1.2% QoQ	-$2.8M	$7.5M	$8.3M	$8.8M	10%
Branch Count	15 0 YoY 0 QoQ	+10	4	10	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	52%
Nonaccrual	2.4% +0.9pp YoY +0.2pp QoQ	+1.4pp	0.9%	1.1%	1.0%	90%
Allowance Coverage	0.48x -22.5% YoY -8.1% QoQ	-23.67x	24.15x	5.62x	20.23x	9%
Net Charge-off Rate (YTD)	-0.0% 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	18.6% +2.8pp YoY +1.2pp QoQ	+6.4pp	12.2%	10.5%	11.6%	84%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	16%
Net Income ($, YTD)	$6.0M +42.4% YoY — QoQ	+$3.4M	$2.6M	$11.7M	$40.4M	92%

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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)

Revenue Diversifier

growth

#289 of 661 • Top 43.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.53%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.38%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $799.77M

Peer Median: $326.73M

#59 of 2643 Top 2.2% in $100M-$1B

132

Total Assets

size

Value: $868.63M

Peer Median: $386.57M

#132 of 2643 Top 5.0% in $100M-$1B

227

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.57%

#227 of 2643 Top 8.6% in $100M-$1B

291

Total Loans

size

Value: $506.08M

Peer Median: $258.35M

#291 of 2643 Top 11.0% in $100M-$1B

558

Loan-to-Deposit Ratio

liquidity

Value: 63.28%

Peer Median: 77.95%

#558 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (2 metrics)

2398

Delinquency Rate

credit_quality

Value: 2.47%

Peer Median: 0.92%

#2398 of 2633 Bottom 9.0% in $100M-$1B

2315

Nonperforming Asset Ratio

credit_quality

Value: 1.45%

Peer Median: 0.67%

#2315 of 2643 Bottom 12.4% in $100M-$1B