BlastPoint's Banking Scorecard
Resource Bank
Community
Specialty: Commercial
LA
FDIC cert 34803
Covington, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Resource Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 9% in Community
- - Flatlined Growth: Bottom 25% in Community
- - Liquidity Strain: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$942.6M
-1.4% YoY
+0.7% QoQ
|
-$448.8M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$793.3M
+3.7% YoY
+1.6% QoQ
|
-$182.2M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$803.7M
+1.9% YoY
+0.6% QoQ
|
-$360.9M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.10%
+39.6% YoY
+2.9% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
4.18%
+19.2% YoY
+1.9% QoQ
|
+0.52% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
66.20%
-8.5% YoY
-1.6% QoQ
|
+3.57% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.04%
-62.9% YoY
-3.7% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
98.70%
+1.8% YoY
+1.0% QoQ
|
+15.64% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
-2.9% YoY
-4.6% QoQ
|
+1.89% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.08%
-49.6% YoY
-23.1% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
-5.7% YoY
+16.1% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#41 of 432 · Bottom 9% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#61 of 245 · Bottom 25% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.10%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#187 of 513 · Bottom 36% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.70%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
76
76th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.94% · Tier avg: 21.05%
57
57th pctile
Total Loans
Current: $793.3M · Tier avg: $975.5M
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
47
47th pctile
Total Deposits
Current: $803.7M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $942.6M · Tier avg: $1.4B
37
37th pctile
Efficiency Ratio
Current: 66.20% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.70% · Tier avg: 83.06%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
Top Weaknesses
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.70% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Efficiency Ratio
Current: 66.20% · Tier avg: 62.63%
46
46th pctile
Total Assets
Current: $942.6M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $803.7M · Tier avg: $1.2B
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
57
57th pctile
Total Loans
Current: $793.3M · Tier avg: $975.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.94% · Tier avg: 21.05%
76
76th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%