Headquartered in Covington, Louisiana, Resource Bank is a state-chartered bank with $980.7M in total assets and $803.0M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1998.
Based on its Q2 2026 filing, Resource Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 18th. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is funding & liquidity (28/100; 103% loans-to-deposits, 42% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (73 → 78), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 74 |
| Q1 2026 | 81 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.30% |
| Q3 2024 | 11.47% |
| Q4 2024 | 11.61% |
| Q1 2025 | 11.93% |
| Q2 2025 | 11.97% |
| Q3 2025 | 12.13% |
| Q4 2025 | 12.31% |
| Q1 2026 | 12.81% |
| Q2 2026 | 12.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.10% |
| Q1 2026 | 1.80% |
| Q2 2026 | 1.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $980.7M | 12.80% | 0.05% | 1.48% | 102.9% |
| Q1 2026 | 81 | $935.4M | 12.81% | 0.02% | 1.80% | 98.9% |
| Q4 2025 | 74 | $942.6M | 12.31% | 0.04% | 1.10% | 98.7% |
| Q3 2025 | 73 | $935.7M | 12.13% | 0.04% | 1.07% | 97.7% |
| Q2 2025 | 73 | $955.9M | 11.97% | 0.03% | 1.01% | 96.9% |
| Q1 2025 | 72 | $997.7M | 11.93% | 0.12% | 0.95% | 93.0% |
| Q4 2024 | 69 | $956.2M | 11.61% | 0.11% | 0.79% | 97.0% |
| Q3 2024 | 69 | $973.9M | 11.47% | 0.12% | 0.74% | 96.2% |
| Q2 2024 | 68 | $1.0B | 11.30% | 0.12% | 0.77% | 97.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Banker's BankBank Baton Rouge, LA | 69 out of 100, Moderate | $983.0M | 16.1% | 0.78% | vs |
| Century Next BankBank Ruston, LA | 77 out of 100, Strong | $916.4M | 11.9% | 0.12% | vs |
| Community Bank of LouisianaBank Mansfield, LA | 74 out of 100, Strong | $852.9M | 10.1% | 0.01% | vs |
| Community First BankBank New Iberia, LA | 72 out of 100, Strong | $781.6M | 9.7% | 0.54% | vs |
| M C Bank & Trust CompanyBank Morgan City, LA | 47 out of 100, Below average | $710.0M | 43.0% | 5.84% | vs |
| Concordia Bank & Trust CompanyBank Vidalia, LA | 52 out of 100, Below average | $667.0M | 11.1% | 2.54% | vs |
Deposit insurance
Is my money safe at Resource Bank?
Yes. Resource Bank is an FDIC-insured institution (FDIC certificate #34803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.7% of deposits ($334.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
11 locations
Branches
Resource Bank lists 10 offices in 8 cities. Most locations:
- Covington, LA (2)
- Mandeville, LA (2)
- Baton Rouge, LA (1)
- Bogalusa, LA (1)
- Franklinton, LA (1)
- Metairie, LA (1)
- New Orleans, LA (1)
- Slidell, LA (1)
HMDA 2025
Mortgage lending
In 2025, Resource Bank reported 203 home-loan applications under HMDA (LEI 549300OMHGOGEWTCI138): 193 originated ($87,765,000 total), 5 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Resource Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34803
- RSSD ID
- 2716088
- Primary regulator
- FDIC
- Holding company
- Resource Bankshares Inc
- Established
- July 20, 1998
- Headquarters
- 70533 Highway 21, Covington, LA 70433
- Website
- www.resource.bank
- Employees
- 164
Quick answers
Resource Bank: common questions
Is Resource Bank FDIC insured?
Yes. Resource Bank is an FDIC-insured institution (FDIC certificate #34803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Resource Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Resource Bank ever failed?
There is no failure record for FDIC certificate #34803 in the FDIC failed bank list.
How many branches does Resource Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Covington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crescent BankBank Metairie, LA | 89 out of 100, Very strong | $1.1B | 15.0% | 1.28% | vs |
| District 62 Highway Federal Credit UnionCredit union Hammond, LA | 89 out of 100, Very strong | $6.6M | 15.4% | 0.00% | vs |
| Zellco Federal Credit UnionCredit union Bogalusa, LA | 89 out of 100, Very strong | $94.5M | 31.9% | 0.73% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
| Fifth District Savings BankBank New Orleans, LA | 81 out of 100, Strong | $531.8M | 21.4% | 0.09% | vs |