Resource Bank National Assn
Dekalb, Illinois · FDIC Cert #3701
Resource Bank National Assn is an FDIC-insured bank (Certificate #3701) with $825M in total assets and $730M in total deposits as of the Q2 2024 Call Report. Headquartered in Dekalb, Illinois, the bank maintains a Tier 1 capital ratio of 12.05% (Well-Capitalized) and a nonperforming loan ratio of 1.48%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Resource Bank National Assn (FDIC cert 3701) is a community bank — $825M in total assets, $730M in deposits, serving the Dekalb, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.05% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.48% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.04% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Resource Bank National Assn carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Resource Bank National Assn
- Total Assets
- $825M
- Total Deposits
- $730M
- Tier 1 Capital Ratio
- 12.05%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.48%
- Liquidity Ratio
- 36.47%
- Return on Assets
- 1.04%
- Headquarters
- Dekalb, Illinois
- FDIC Certificate
- #3701
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Resource Bank National Assn holds a Tier 1 capital ratio of 12.05%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Resource Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Resource Bank National Assn shows strong financial health indicators. With $825M in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Resource Bank National Assn Compares
Resource Bank National Assn’s Health Score of 79 is 7 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 12.05% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 1.48% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.04% is below the national ROA benchmark of ~1.1%. Among 1153 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Resource Bank National Assn is 9 points above the portfolio average of 70.
Frequently Asked Questions
Resource Bank National Assn has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.05%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Resource Bank National Assn's Tier 1 capital ratio of 12.05% and nonperforming loan ratio of 1.48% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Resource Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3701). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Resource Bank National Assn holds $825M in total assets and $730M in total deposits. It is headquartered in Dekalb, Illinois (FDIC Certificate #3701).
Resource Bank National Assn has a Tier 1 capital ratio of 12.05%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.48%, and the return on assets is 1.04%.
Yes. Resource Bank National Assn is FDIC-insured (Certificate #3701). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Resource Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.