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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

Resource Bank

Covington, Louisiana · $981M in assets · beside the 11 other Louisiana banks between $300M and $1B

The filing

347.3%
CRE / capital
12th of 12
103.3%
Loans / deposits
11th of 12
0.05%
NPA / loans
2nd of 12

Resource Bank is the second largest of the 12 Louisiana banks nearest its size between $300M and $1B, with $981M in assets at 30 June 2026. Loans are 103.3% of deposits, 11th of 12 against a median of 85.6%, and equity is 12.3% of assets, 5th of 12. Loans grew +4.7% in the year, 6th of 12, and deposits fell 1.2%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.05% of the book, 2nd of 12 against a median of 0.50%; 0.03% is 30 to 89 days past due, and the allowance covers them 8.1 times. Commercial real estate is 51.4% of loans, 10th of 12 against a median of 44.5%, and 347% of capital, above the 300% screen, with construction at 142% against the 100% screen.

Return on assets is 1.47%, 7th of 12 against a median of 1.50%, on an efficiency ratio of 66.6%, 8th of 12. Five years ago it was 0.97%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 14.2% of loans).

Commercial real estate against capital, the 300% screenLA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 228% MC M C Bank & Trust Co. 76% SL South Louisiana Bank 111% CB Concordia Bank & Trust Co. 131% CB Community Bank of Louisiana 140% FN First National Bankers Bank 189% HF Homeland FSB 218% FN First National Bank of Jeanerette 238% CN Century Next Bank 273% UC United Community Bank 290% CF Community First Bank 310% MB Metairie Bank & Trust Co. 312% RB Resource Bank 347%
Loans, year over yearLA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.3% FN First National Bank of Jeanerette +13.0% MC M C Bank & Trust Co. +10.2% MB Metairie Bank & Trust Co. +8.5% CN Century Next Bank +7.5% HF Homeland FSB +6.7% RB Resource Bank +4.7% CB Community Bank of Louisiana +3.9% CF Community First Bank +2.7% SL South Louisiana Bank +1.6% UC United Community Bank +0.8% CB Concordia Bank & Trust Co. -2.8% FN First National Bankers Bank -3.1%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 10 CBLR filers, Resource Bank among them; owner-occupied excluded; bold marks a screen met
Resource BankRankCohort median
Total CRE against capital, the 300% screen347%12th of 12228%
Construction against capital, the 100% screen142%12th of 1252%
Construction and land development, share of loans21.0%12th of 1210.5%
Non-owner-occupied nonfarm nonresidential, share of loans27.5%5th of 1229.3%
Total CRE, the guidance definition, share of loans51.4%10th of 1244.5%
CRE growth over 36 months, the third prong+8.4%5th of 12+20.0%
Commercial real estate against capital, the 300% screenLA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 228% MC M C Bank & Trust Co. 76% SL South Louisiana Bank 111% CB Concordia Bank & Trust Co. 131% CB Community Bank of Louisiana 140% FN First National Bankers Bank 189% HF Homeland FSB 218% FN First National Bank of Jeanerette 238% CN Century Next Bank 273% UC United Community Bank 290% CF Community First Bank 310% MB Metairie Bank & Trust Co. 312% RB Resource Bank 347%
CRE growth over 36 months, the guidance's third prongLA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +20.0% FN First National Bankers Bank -27.8% MC M C Bank & Trust Co. -12.8% SL South Louisiana Bank -6.2% CB Concordia Bank & Trust Co. +8.3% RB Resource Bank +8.4% CF Community First Bank +19.2% UC United Community Bank +20.8% CN Century Next Bank +30.5% HF Homeland FSB +40.8% MB Metairie Bank & Trust Co. +57.9% CB Community Bank of Louisiana +70.8% FN First National Bank of Jeanerette +94.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bankers Bank$983M0.8%81.2%0.78%0.00%3.2%141.8%16.8%
Resource Bank$981M1.5%66.6%0.05%0.00%0.4%103.3%12.3%
Century Next Bank$916M1.7%52.7%0.12%0.03%1.1%84.4%12.3%
Community Bank of Louisiana$853M1.5%54.6%0.01%-0.01%0.5%35.5%6.9%
Community First Bank$782M1.8%58.3%0.54%0.28%1.4%76.3%9.1%
M C Bank & Trust Co.$710M-3.1%309.3%5.84%0.71%2.5%72.9%30.5%
Concordia Bank & Trust Co.$667M1.1%69.6%2.54%0.01%1.1%61.5%9.8%
Metairie Bank & Trust Co.$666M1.2%61.0%0.46%0.02%1.0%86.8%10.8%
United Community Bank$666M1.7%69.7%0.73%0.17%3.1%92.2%14.3%
South Louisiana Bank$660M1.8%60.1%0.45%0.05%4.0%67.3%15.4%
Homeland FSB$658M1.4%61.9%0.99%0.00%1.4%98.3%9.2%
First National Bank of Jeanerette$646M2.2%53.0%0.23%0.04%1.5%95.0%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Resource BankCohort median
20212026Change20212026Change
Loans$635M$830M+31%$351M$528M+50%
Deposits$843M$803M-5%$500M$582M+16%
NPA / loans0.06%0.05%-0.01 pts1.01%0.50%-0.51 pts
Efficiency67.3%66.6%-0.7 pts65.0%61.5%-3.6 pts
ROA0.97%1.47%+0.50 pts1.10%1.50%+0.40 pts

This read was prepared for Resource Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Resource Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $300M to $1B
Institution www.resource.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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