TellerScore

Resource Bank, National Association (FDIC certificate #3701) is based in Dekalb, Illinois. Its Q2 2026 call report shows $868.6M in total assets and $799.8M in deposits and 15 offices.

Resource Bank, National Association has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 294th. Funding & liquidity contributes the most (91/100, 63% loans-to-deposits, 20% uninsured); loan quality contributes the least (19/100, 2.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.52%
Loan quality19/100
Noncurrent loans ÷ total loans: 2.44%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 63.3% · 19.9% uninsured
Problem-loan coverage65/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.44%

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 fell 5 points (55 → 50), mostly because the loan quality component weakened by 30 points.

TellerScore
465155Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202452
Q4 202451
Q1 202552
Q2 202555
Q3 202546
Q4 202548
Q1 202652
Q2 202650
Tier 1 leverage ratio
5.00%6.77%8.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.97%
Q3 20247.97%
Q4 20248.07%
Q1 20258.47%
Q2 20258.38%
Q3 20258.36%
Q4 20258.24%
Q1 20268.54%
Q2 20268.52%
Noncurrent loans
1.48%2.00%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.48%
Q3 20241.67%
Q4 20241.79%
Q1 20251.76%
Q2 20251.52%
Q3 20252.51%
Q4 20252.21%
Q1 20262.19%
Q2 20262.44%
Return on assets
0.86%1.12%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.01%
Q4 20241.02%
Q1 20250.86%
Q2 20251.03%
Q3 20251.03%
Q4 20250.98%
Q1 20261.27%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$868.6M8.52%2.44%1.38%63.3%
Q1 202652$865.3M8.54%2.19%1.27%64.0%
Q4 202548$861.8M8.24%2.21%0.98%66.6%
Q3 202546$868.7M8.36%2.51%1.03%64.7%
Q2 202555$828.0M8.38%1.52%1.03%66.3%
Q1 202552$811.6M8.47%1.76%0.86%66.5%
Q4 202451$813.0M8.07%1.79%1.02%66.9%
Q3 202452$857.2M7.97%1.67%1.01%66.9%
Q2 202454$825.2M7.97%1.48%1.02%68.2%

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).

Capital ratio8.52%
6th
Total risk-based capital14.55%
65th
Problem loans2.44%
9th
Net charge-offs-0.00%
84th
Return on assets1.38%
58th
Net interest margin3.70%
37th
Efficiency ratio69.2%
32nd
Loans to deposits63.3%
79th
Uninsured deposits19.9%
65th
Loan-loss reserves1.18%
49th
Texas ratio17.4%
8th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank for SavingsBank Chicago, IL84 out of 100, Strong$868.6M24.0%0.04%vs
Millennium BankBank Des Plaines, IL33 out of 100, Low$844.5M9.4%4.37%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Fortress BankBank Peoria, IL47 out of 100, Below average$897.2M9.1%1.99%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
CIBM BankBank Champaign, IL53 out of 100, Below average$819.7M9.9%1.08%vs

Deposit insurance

Is my money safe at Resource Bank, National Association?

Yes. Resource Bank, National Association is an FDIC-insured institution (FDIC certificate #3701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.9% of deposits ($159.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.52%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.55% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Resource Bank, National Association lists 15 offices in 14 cities. Most locations:

  • Dekalb, IL (2)
  • Cortland, IL (1)
  • Earlville, IL (1)
  • Genoa, IL (1)
  • Hampshire, IL (1)
  • Hinckley, IL (1)
  • Kaneville, IL (1)
  • Kirkland, IL (1)
  • Leland, IL (1)
  • Malta, IL (1)
  • Serena, IL (1)
  • Shabbona, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Resource Bank, National Association reported 112 home-loan applications under HMDA (LEI 254900ZOIZTP7ZF6AH17): 103 originated ($26,015,000 total), 9 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.0%, 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, National Association
Former names
The First National Bank of Malta
Type
National bank
FDIC certificate #
3701
RSSD ID
235530
Primary regulator
OCC
Holding company
Resource Bancshares Inc
Established
October 1, 1901
Headquarters
555 Bethany Rd, Dekalb, IL 60115
Employees
186

Quick answers

Resource Bank, National Association: common questions

Is Resource Bank, National Association FDIC insured?

Yes. Resource Bank, National Association is an FDIC-insured institution (FDIC certificate #3701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Resource Bank, National Association's TellerScore?

50 out of 100 (Below average), 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, National Association ever failed?

There is no failure record for FDIC certificate #3701 in the FDIC failed bank list.

How many branches does Resource Bank, National Association have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dekalb

InstitutionScoreAssetsCapitalProblem loansCompare
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
Earthmover Credit UnionCredit union Aurora, IL87 out of 100, Very strong$471.7M19.3%0.75%vs
Home State Bank, National AssociationBank Crystal Lake, IL82 out of 100, Strong$776.0M11.8%0.07%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Northern Illinois Federal Credit UnionCredit union Dekalb, IL80 out of 100, Strong$18.0M14.7%1.01%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs