# RESOURCE BANK
COVINGTON, LA · FDIC certificate 34803 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $980.7M | |
| Deposits | $803.0M | |
| Loans and leases | $829.5M | |
| Total equity | $120.6M | |
| Loans / deposits | 102.88% (p92 of band) | 82.04% |
| Liquid assets / assets | 11.41% (p8 of band) | |
| Uninsured deposits / deposits | 41.69% (p89 of band) | 25.97% |
| Brokered deposits | 2.20% | |
| Wholesale funding | 7.20% (p68 of band) | |
| FHLB advances / assets | 5.00% | |
| Tier 1 leverage | 12.80% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -2.67% (p74 of band) | -8.10% |
| AOCI / equity | 0.36% (p90 of band) | |
| ROA (annualized) | 1.48% (p63 of band) | 1.28% |
| Net interest margin | 4.47% (p81 of band) | 3.91% |
| Efficiency ratio | 66.60% (p66 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 809.72% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 144.18% (p96 of band) | |
| Auto loans | $310,000 (0.04% of loans; DQ 1.94%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 164 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans exceed deposits |  |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | loans exceed deposits |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans exceed deposits |  |
| 2020-03 | 1 |  | loans exceed deposits |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | deposits shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | assets shrinking |  |
| 2026-06 | 2 | loans exceed deposits | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [Resource Bank Announces Promotions, Community Donation - Biz New Orleans](https://news.google.com/rss/articles/CBMihwFBVV95cUxOd2diUFgzUXBUYWJEV1BLX08wSDViM3hTdmpjS0NkZHlobkVFMW5WUDc5cXJzc3l3WlRBVTZjXzc2UlhzNDhKUlJlM0xuNDdVVEZpVDZrR3puT0ljazFrZW9vczU4dzlRQzNGX0lHUUxpMGszRFhaZkpnU1dxV0xuSTVhQllMZk0?oc=5) · Biz New Orleans
- 2026-05-13 [Resource Bank Names New West Causeway Branch Manager - Biz New Orleans](https://news.google.com/rss/articles/CBMihgFBVV95cUxNbXBQUkdCaW5GWjhnbmFYRGN3bWdVZml4TUNEaExIU0R0ZGYwV3ctYmY4eVBsXzMtZ25IMXJ2eWhRNnBRYlpoakNyY2tQamhtWTRNcTZmLUtJc0dlVmxuQjVQN2w3OUxRdy1xR3BERFZEUjl4U1ZiZ3JJV3hreExtcEkzMmNNUQ?oc=5) · Biz New Orleans
- 2026-03-02 [Resource Bank accepting Centennial Service Award scholarship applications - Shaw Local](https://news.google.com/rss/articles/CBMixgFBVV95cUxPMGpjNFF3YUdIZktPYXJQVTA1WVFLTFQ2MFp0NFhjYm5sOW9FNFFMelVHNjZBNVhSLVRYdktxS2ZiYnQ1Q3JocjVDeEtWQ3hsbkZDSzFhYlVneWdmQmp0VFozUS1OQUlXYzNQZ1U2MmVnYWVIaUpYUkFLb0s1QmQwRUFpSHVDakp1VjZENHRkRTMybnZzUlVFamQ2aERNcVJGb1dPOXRiNTZNZi10bk9tLV9jb3ZyRUlxV0kzVmg1cXNHRTRWWHc?oc=5) · Shaw Local
- 2026-08-09 [High school grads in DeKalb, Kane, La Salle counties awarded Centennial Service scholarships - Shaw Local](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOMkdRdkUxeEJQMjAycDBMWlpaVF9wRlJXcEtDWUlRNWZVUjdYeGFxNXFod21iWnBtaXZDcGZFb0VnT0JUemJOT2pvR1JTME8zLWE4aTBKb2FwS1Q0OTRaWWNUaTdUc2JiV3NBSmZabzdZNnJwQW9xV05vWW9qekJ1aHkwQ3N2OG9jVVQwaHVybG1nWnBKUDlEX0E5Q2pnaFg4V201UUNuZ3JvWk1SVlFGOTNKcmVxWmRNWk1kdFJ6X001UGtqQk84OHZlMnp2Snk4anNDaFlOTEF3RldH?oc=5) · Shaw Local
- 2026-08-06 [Lori Quinn Harris Obituary (1975 - 2026) - Loranger, LA - AN17 - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPT3NVTkdXV3lMdmtKRTJTYzdzdjdBX194ZmV3aTR5NlRsM0tVd0o1Sm9xcjFPcVNLTXBEMjBlMU1BRUJmSkVqMW5ETGZMZjdfQmFzRzl3WUgzdDJjeEFmTThYUUJ6NUpUYmZNRlZTMWJNOHk5QjlJWVBSQWszVEd5QVgzWjVXdw?oc=5) · legacy.com
- 2025-11-17 [Kenneth Levine Obituary - Covington, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdGVPdnNDZ3k3OVpxMlZGcVBXU092clNBQzV2RmdNTXVYWkZzVWxhTXpucXVmWFl0YXQ2UkFxMGNJLVlBaTZ1X1ZOTk5WalM2RjdiS0cybm1OUVV6NW5WUjdjZU8xclpyYXItRmVSem9QaUVieGJHTmVPYWtucUlfMjRNaWJZUQ?oc=5) · Dignity Memorial
- 2024-07-31 [LSU Department of Finance, LBA Celebrate Credit Analyst Education Program Graduates - Louisiana State University](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWm5xLWpLd01wSktEeHp2RDBROVBnaFRsdnpFc3pZRG9BZDFhUGxmMmtBYWpSekVDVjVSU25UbU1wQWZDTFBYM2c0M2M0UDlZb2wwY0VNN2tfc2xQSEI2b2VtR0NGSGVHTWRCdU9fT3pKQlhkbXh3NXJ5ZTV4LXFlZFdSTE1IRHozREgxWlBqODduWTZv?oc=5) · Louisiana State University
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Louisiana - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONHkxM2I5elJkRlhlSzNSQU9ZLWFMQlBTdVBnQXBzcU1GRjYzZ3JvN3pxendiNUk2WFNtMHl5VDBkRE9JNWNFY19jZUc5ZzhnNFpyTEFwa1UweEwxd3M5TWVSMG9kcHJmWEVHN3Y4VW5UUFp0OF9wZFk0VTR5aEZZWTUzRE95YkJPQVZhMGpZLXQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34803 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "34803", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide