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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Covington, LA · FDIC certificate #34803 · RSSD 2716088
RESOURCE BANK is an FDIC-insured institution based in Covington, LA (FDIC certificate #34803). In its Q3 2026 Call Report it reported total assets of $994M, total deposits of $771M and net loans of $840M. Its primary federal regulator is FDIC. Its current parent is RESOURCE BANKSHARES, INC..
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RESOURCE BANK is compared with 801 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Efficiency ratio (official UBPR): RESOURCE BANK reported 0.734, in the 72.8th percentile of 801 peers, where the median is 0.654. Net interest margin (official UBPR): RESOURCE BANK reported 0.033, in the 60.0th percentile of 801 peers, where the median is 0.031. Interest Income (TE) as a percent of Average Assets: RESOURCE BANK reported 0.051, in the 51.5th percentile of 801 peers, where the median is 0.050. Interest Expense as a percent of Average Assets: RESOURCE BANK reported 0.019, in the 36.5th percentile of 801 peers, where the median is 0.021. Net Interest Income (TE) % of Avg Assets: RESOURCE BANK reported 0.032, in the 61.8th percentile of 801 peers, where the median is 0.029. Noninterest Income as a percent of Average Assets: RESOURCE BANK reported 0.002, in the 8.5th percentile of 801 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: RESOURCE BANK reported 0.025, in the 59.0th percentile of 801 peers, where the median is 0.023. Provision for Loan Losses % of Avg Assets: RESOURCE BANK reported 0.000, in the 10.4th percentile of 801 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: RESOURCE BANK reported 0.009, in the 33.0rd percentile of 801 peers, where the median is 0.011. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: RESOURCE BANK reported 0.000, in the 12.5th percentile of 801 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: RESOURCE BANK reported 0.009, in the 32.8th percentile of 801 peers, where the median is 0.011. Net Operating Income as a percent of Average Assets: RESOURCE BANK reported 0.008, in the 36.5th percentile of 801 peers, where the median is 0.009. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: RESOURCE BANK reported 0.008, in the 37.4th percentile of 801 peers, where the median is 0.009. Average Earning Assets as a percent of Average Assets: RESOURCE BANK reported 0.958, in the 57.1th percentile of 801 peers, where the median is 0.955. Average Interest-Bearing Funds as a percent of Average Assets: RESOURCE BANK reported 0.854, in the 89.5th percentile of 801 peers, where the median is 0.731. Interest Income (TE) as a percent of Average Earning Assets: RESOURCE BANK reported 0.053, in the 47.9th percentile of 801 peers, where the median is 0.053. Net Interest Income (TE) as a percent of Average Earning Assets: RESOURCE BANK reported 0.033, in the 59.1th percentile of 801 peers, where the median is 0.031. Net Loss as a percent of Average Total Loans and Leases: RESOURCE BANK reported 0.000, in the 10.4th percentile of 792 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: RESOURCE BANK reported 0.001, in the 14.7th percentile of 792 peers, where the median is 0.002. Net Loans & Leases as a percent of Total Deposits: RESOURCE BANK reported 0.970, in the 77.9th percentile of 796 peers, where the median is 0.880. Net Income Attributed to Minority Interests as a percent of Average Assets: RESOURCE BANK reported 0.000, in the 0.4th percentile of 801 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: RESOURCE BANK reported 0.000, in the 6.1th percentile of 801 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: RESOURCE BANK reported 0.000, in the 32.1th percentile of 801 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): RESOURCE BANK reported 0.009, in the 27.4th percentile of 801 peers, where the median is 0.013. Return on assets (official UBPR): RESOURCE BANK reported 0.008, in the 36.6th percentile of 801 peers, where the median is 0.009. Return on equity (official UBPR): RESOURCE BANK reported 0.074, in the 31.7th percentile of 800 peers, where the median is 0.100.
Peer history below covers 6 quarters of RESOURCE BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Efficiency ratio (official UBPR) | 0.734 | 0.654 | 72.8th | 801 |
| Net interest margin (official UBPR) | 0.033 | 0.031 | 60.0th | 801 |
| Interest Income (TE) as a percent of Average Assets | 0.051 | 0.050 | 51.5th | 801 |
| Interest Expense as a percent of Average Assets | 0.019 | 0.021 | 36.5th | 801 |
| Net Interest Income (TE) % of Avg Assets | 0.032 | 0.029 | 61.8th | 801 |
| Noninterest Income as a percent of Average Assets | 0.002 | 0.006 | 8.5th | 801 |
| Non-Interest Expense as a percent of Average Assets | 0.025 | 0.023 | 59.0th | 801 |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.001 | 10.4th | 801 |
| Pretax Operating Income (TE) % of Avg Assets | 0.009 | 0.011 | 33.0rd | 801 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 12.5th | 801 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.009 | 0.011 | 32.8th | 801 |
| Net Operating Income as a percent of Average Assets | 0.008 | 0.009 | 36.5th | 801 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.008 | 0.009 | 37.4th | 801 |
| Average Earning Assets as a percent of Average Assets | 0.958 | 0.955 | 57.1th | 801 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.854 | 0.731 | 89.5th | 801 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.053 | 0.053 | 47.9th | 801 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.033 | 0.031 | 59.1th | 801 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 10.4th | 792 |
| Total LN&LS-30-89 DAYS Past Due % | 0.001 | 0.002 | 14.7th | 792 |
| Net Loans & Leases as a percent of Total Deposits | 0.970 | 0.880 | 77.9th | 796 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.4th | 801 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 6.1th | 801 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 32.1th | 801 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.009 | 0.013 | 27.4th | 801 |
| Return on assets (official UBPR) | 0.008 | 0.009 | 36.6th | 801 |
| Return on equity (official UBPR) | 0.074 | 0.100 | 31.7th | 800 |
Peer interpretation
Under $1B asset cohort · 3148 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 801 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-09 | 2024-03 | 2024-06 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | — | — | — |
| Total depositsDEP | < P25 | < P25 | < P25 | — | — | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | — | — | — |
| Return on assetsROA | P25–75 | P25–75 | P25–75 | — | — | — |
| Return on equityROE | P25–75 | P25–75 | P25–75 | — | — | — |
| Net interest marginNIMY | P25–75 | P25–75 | P25–75 | — | — | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.