Resource Bank: how it compares with its peers
Against 33 LA banks with half to twice its assets, Resource Bank's strongest measure in Q2 2026 is net interest margin (4.47% vs. a 4.27% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $6.5M).
| Measure | Resource Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.44% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 4.27% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.60% | 62.46% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.5M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.88% | 78.46% | Context |
What it means for lending operations
Its efficiency ratio of 66.60% is above the 62.46% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Banker's Bank Baton Rouge, LA · $983M
- Century Next Bank Ruston, LA · $916M
- Crescent Bank Metairie, LA · $1.07B
- Community Bank of Louisiana Mansfield, LA · $853M
- The Evangeline Bank and Trust Company Ville Platte, LA · $1.11B
- Liberty Bank and Trust Company New Orleans, LA · $1.13B
Questions about Resource Bank
How big is Resource Bank?
Resource Bank, established in 1998, is headquartered in Covington, LA. It reported $981M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Resource Bank's return on assets?
1.48% annualized in Q2 2026, against a 1.44% median for 33 LA banks with half to twice its assets, ahead of 52% of them.
What is Resource Bank's efficiency ratio?
66.60% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 62.46%, and lower is better.
Is Resource Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.