BlastPoint's Banking Scorecard
Resource Bank, National Association
Dekalb, IL
15 branches across IL
Resource Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.5% in tier
- - Net Interest Margin 0.34% below tier average
- - Efficiency Ratio 6.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$865.3M
+6.6% YoY
+0.4% QoQ
|
+$479.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 5.1% in tier |
| Total Loans ? |
$511.6M
+1.6% YoY
-3.4% QoQ
|
+$255.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 9.8% in tier |
| Total Deposits ? |
$799.7M
+5.7% YoY
+0.6% QoQ
|
+$471.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 2.4% in tier |
| Return on Assets ? |
1.27%
+47.0% YoY
+29.1% QoQ
|
+0.00% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.59%
+12.1% YoY
+6.4% QoQ
|
-0.34% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
71.47%
-8.1% YoY
-2.3% QoQ
|
+6.19% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
2.22%
+25.1% YoY
-0.6% QoQ
|
+1.33% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.5% in tier |
| Loan-to-Deposit Ratio ? |
63.97%
-3.9% YoY
-3.9% QoQ
|
-12.67% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
22.89%
-4.5% YoY
+0.5% QoQ
|
+0.87% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.32%
+16.6% YoY
-5.7% QoQ
|
+0.69% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.9% in tier |
| Tier 1 Capital Ratio ? |
13.04%
+4.8% YoY
+5.4% QoQ
|
-2.79% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.27%
-0.2% YoY
-74.1% QoQ
|
-0.01% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 8.1% in tier |
Get Full Access to Resource Bank, National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.