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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Resource Bank National Association

Dekalb, Illinois · $869M in assets · beside the 11 other Illinois banks between $300M and $1B

The filing

64.0%
Loans / deposits
2nd of 12
7.6%
Equity / assets
11th of 12
2.44%
NPA / loans
11th of 12

Resource Bank National Association is the fifth largest of the 12 Illinois banks nearest its size between $300M and $1B, with $869M in assets at 30 June 2026. Loans are 64.0% of deposits, 2nd of 12 against a median of 80.7%, and equity is 7.6% of assets, 11th of 12. Loans grew -0.4% in the year, 9th of 12, and deposits grew 4.0%; the cohort's median loan growth is +3.7%.

Noncurrent loans are 2.44% of the book, 11th of 12 against a median of 0.70%; 0.78% is 30 to 89 days past due, and the allowance covers them 0.5 times. Commercial real estate is 33.0% of loans, 7th of 12 against a median of 32.8%, and 207% of capital, below the 300% screen, with construction at 47% against the 100% screen.

Return on assets is 1.35%, 3rd of 12 against a median of 0.91%, on an efficiency ratio of 69.2%, 6th of 12. Five years ago it was 1.55%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 80.7% FS First Savings Bank of Hegewisch 53.1% RB Resource Bank National Association 64.0% FN First National Bank of Waterloo 70.3% HS Home State Bank N.A. 75.4% PS Prairie State Bank & Trust 75.7% FN Farmers National Bank 79.5% IB Itasca Bank & Trust Co. 81.9% SV Sauk Valley Bank & Trust Co. 82.0% LB Liberty Bank for Savings 82.6% MB Millennium Bank 96.3% CB Cibm Bank 99.8% FB Fortress Bank 100.7%
Loans, year over yearIL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.7% MB Millennium Bank +6.3% FB Fortress Bank +5.9% SV Sauk Valley Bank & Trust Co. +5.6% IB Itasca Bank & Trust Co. +4.9% HS Home State Bank N.A. +4.8% FN Farmers National Bank +4.3% FN First National Bank of Waterloo +3.2% PS Prairie State Bank & Trust +0.0% RB Resource Bank National Association -0.4% CB Cibm Bank -0.8% LB Liberty Bank for Savings -2.4% FS First Savings Bank of Hegewisch -4.1%

SBA 7(a), FY2008 to FY2026

Resource Bank National Association is the 177th largest 7(a) lender into Illinois of 537, with $6M across 35 loans, 0.0% of everything approved in the state (Byline Bank leads with $2.39B). 5 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dekalb, IL$5M6th of 555.0%thin
Kane, IL$1M86th of 1410.1%quiet FY2020
Langlade, WI$750K11th of 253.0%quiet FY2010
Lake, IL$235K144th of 1600.0%quiet FY2017
Dupage, IL$102K178th of 1880.0%quiet FY2008
Will, IL$100K137th of 1450.0%quiet FY2021
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Real estate & leasing2$1M20.6%0.01%634th of 1,452
Manufacturing9$1M20.5%0.00%1243rd of 2,246
Accommodation & food services7$1M20.5%0.00%1415th of 2,596
Construction4$840K12.1%0.00%1270th of 2,063
Professional & technical services1$636K9.2%0.00%1178th of 1,955
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Resource Bank National Association
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans RB Resource Bank, National Associati… 0.0% $6M · 35 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Resource Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen207%6th of 12210%
Construction against capital, the 100% screen47%10th of 1238%
Construction and land development, share of loans7.5%11th of 126.1%
Non-owner-occupied nonfarm nonresidential, share of loans17.7%5th of 1217.8%
Total CRE, the guidance definition, share of loans33.0%7th of 1232.8%
CRE growth over 36 months, the third prong+8.4%3rd of 12+26.2%

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 Bank of Waterloo$929M0.9%63.8%1.33%0.03%1.6%70.3%9.9%
Fortress Bank$897M0.9%79.8%1.99%0.70%1.3%100.7%9.5%
Farmers National Bank$896M1.1%45.0%0.23%0.00%3.2%79.5%14.3%
Liberty Bank for Savings$869M0.4%82.6%0.04%0.00%0.5%82.6%23.4%
Resource Bank National Association$869M1.3%69.2%2.44%0.00%1.2%64.0%7.6%
Millennium Bank$844M0.6%69.7%4.37%0.23%1.5%96.3%9.4%
Prairie State Bank & Trust$840M1.6%60.2%0.52%0.04%1.1%75.7%12.1%
Cibm Bank$820M0.5%80.9%1.08%0.21%1.2%99.8%9.8%
Sauk Valley Bank & Trust Co.$791M0.8%71.2%0.87%-0.04%1.4%82.0%7.6%
First Savings Bank of Hegewisch$787M0.1%91.0%0.06%0.00%0.5%53.1%15.0%
Home State Bank N.A.$776M1.5%68.0%0.07%-0.01%1.2%75.4%10.6%
Itasca Bank & Trust Co.$771M1.1%63.0%0.28%0.03%1.4%81.9%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Resource Bank National AssociationCohort median
20212026Change20212026Change
Loans$350M$512M+47%$404M$549M+36%
Deposits$635M$800M+26%$645M$687M+6%
NPA / loans1.54%2.44%+0.90 pts0.64%0.70%+0.06 pts
Efficiency72.8%69.2%-3.6 pts68.6%69.5%+0.8 pts
ROA1.55%1.35%-0.20 pts1.01%0.91%-0.11 pts

This read was prepared for Resource Bank National Association'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 National Association 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 IL banks $300M to $1B
Institution www.resourcebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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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