BlastPoint's Banking Scorecard
Resource Bank, National Association
Community
Specialty: Commercial
IL
FDIC cert 3701
Dekalb, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Resource Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$861.8M
+6.0% YoY
-0.8% QoQ
|
-$529.7M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$529.4M
+4.2% YoY
+1.9% QoQ
|
-$446.1M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$795.3M
+4.7% YoY
-1.0% QoQ
|
-$369.3M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.98%
-3.8% YoY
-4.6% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.38%
+8.6% YoY
+1.3% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
73.14%
-0.6% YoY
-0.5% QoQ
|
+10.51% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
2.23%
+23.5% YoY
-12.1% QoQ
|
+1.60% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
66.56%
-0.5% YoY
+2.9% QoQ
|
-16.50% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
22.77%
-3.4% YoY
+2.9% QoQ
|
+1.73% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
1.41%
+20.5% YoY
-9.5% QoQ
|
+0.91% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
12.37%
+1.4% YoY
-1.6% QoQ
|
+2.13% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.04%
+2.6% YoY
+35.9% QoQ
|
+0.30% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#239 of 642 · Bottom 37% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
87
87th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.74%
84
84th pctile
Loan-to-Deposit Ratio
Current: 66.56% · Tier avg: 83.06%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.77% · Tier avg: 21.05%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 10.24%
46
46th pctile
Total Deposits
Current: $795.3M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $861.8M · Tier avg: $1.4B
38
38th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
34
34th pctile
Total Loans
Current: $529.4M · Tier avg: $975.5M
21
21th pctile
Efficiency Ratio
Current: 73.14% · Tier avg: 62.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.23% · Tier avg: 0.63%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.23% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.50%
21
21th pctile
Efficiency Ratio
Current: 73.14% · Tier avg: 62.63%
34
34th pctile
Total Loans
Current: $529.4M · Tier avg: $975.5M
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
38
38th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
40
40th pctile
Total Assets
Current: $861.8M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $795.3M · Tier avg: $1.2B
51
51th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 10.24%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.77% · Tier avg: 21.05%
84
84th pctile
Loan-to-Deposit Ratio
Current: 66.56% · Tier avg: 83.06%
87
87th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.74%