Resource Bank
Total assets
$980.7M
▲ +2.6% YoY
Deposits
$803.0M
▼ -1.2% YoY
Loans
$826.1M
▲ +4.9% YoY
Offices
11
RESOURCE BANKSHARES INC
ROA (annualized)
1.48%
peers 1.28%
ROE (annualized)
11.95%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Resource Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| Loan growth (YoY) | +4.9% | +5.3% | -0.4 pts |
| ROA | 1.48% | 1.28% | +0.2 pts |
| ROE | 11.9% | 12.4% | -0.5 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
Profile
- Established
- 1998
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- RESOURCE BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 70533 Highway 21, Covington, LA, 70433
- County
- St. Tammany
- Metro area
- New Orleans-Metairie, LA
- Offices
- 11
- FDIC cert #
- 34803
- RSSD ID
- 2716088
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $980.7M | $803.0M | $826.1M | $120.6M | $7.1M | 1.48% | 4.47% | 0.04% |
| Q1 2026 | $935.4M | $801.2M | $792.8M | $118.4M | $4.2M | 1.80% | 4.42% | 0.01% |
| Q4 2025 | $942.6M | $803.7M | $793.3M | $115.0M | $10.5M | 1.10% | 4.18% | 0.08% |
| Q3 2025 | $935.7M | $799.2M | $780.8M | $112.5M | $7.7M | 1.07% | 4.10% | 0.10% |
| Q2 2025 | $955.9M | $812.9M | $787.4M | $113.9M | $4.9M | 1.01% | 3.98% | 0.12% |
| Q1 2025 | $997.7M | $841.1M | $782.1M | $111.4M | $2.3M | 0.95% | 3.81% | 0.16% |
| Q4 2024 | $956.2M | $788.9M | $764.9M | $108.7M | $7.7M | 0.79% | 3.51% | 0.15% |
| Q3 2024 | $973.9M | $785.1M | $755.6M | $108.6M | $5.5M | 0.74% | 3.42% | 0.16% |
Loan mix (Q2 2026): real estate $795.0M · commercial $25.8M · consumer $9.3M · securities $78.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.28% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 12.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.89% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 61.2% | 66th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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