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Resource Bank, N.A.

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Resource Bank, N.A. Rates & Review October 2026

Q: How many branches does Resource Bank, N.A. operate?

Resource Bank, N.A. currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Resource Bank, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Resource Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Resource Bank, N.A.'s top rate as of October 11, 2026 is 2.03% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Resource Bank, N.A. with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.28%. Rates last updated and verified on 10/11/2026.

Resource Bank, N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Resource Bank, N.A.? Share your experience about Resource Bank, N.A. by leaving a review below, or read customer reviews before you decide to use Resource Bank, N.A..

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.28%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Resource Bank, National Association

555 Bethany Rd
Dekalb, IL 60115

https://www.resourcebank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Resource Bank, N.A. Checking Rates

Product	Rate	APY
Extreme Green Checking	-	2.03%
Min Deposit $250 Min Balance $0 Details Qualifications Required: 12 or more debit card purchases; 1 or more automatic payments or direct deposits; enrolled in and receive e-Statements with a valid email address Last Updated 10/11/2026 Rate History 1 change since Sep 11, 2026 · 1.30% → 2.03% ▲ 0.73 pts · high 2.03% / low 1.30% Oct 7, 20262.03%▲ from 1.30% Sep 11, 20261.30%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.28%
Extreme Green Checking	-	0.10%
Min Deposit $250 Min Balance $25,000 Details Qualifications Required: 12 or more debit card purchases; 1 or more automatic payments or direct deposits; enrolled in and receive e-Statements with a valid email address Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.28%
Extreme Green Checking	-	0.05%
Min Deposit $250 Details Qualifications Required: 12 or more debit card purchases; 1 or more automatic payments or direct deposits; enrolled in and receive e-Statements with a valid email address Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Resource Bank, N.A.’s Texas Ratio rose from 8.19% in Q3 2023 to 18.28% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 2.5 to 4.7 and its Health Grade from C- to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$869M	18.28%	4.7	B+
March 31, 2026	$865M	17.24%	4.8	B+
December 31, 2025	$862M	18.24%	4.7	B+
September 30, 2025	$869M	20.68%	4.5	B
June 30, 2025	$828M	14.30%	4.8	A-
March 31, 2025	$812M	17.40%	4.3	B
December 31, 2024	$813M	18.68%	3.9	C+
September 30, 2024	$857M	16.40%	4.1	B-
June 30, 2024	$825M	16.93%	3.3	C
March 31, 2024	$806M	16.69%	3.5	C+
December 31, 2023	$793M	5.19%	3.8	B
September 30, 2023	$747M	8.19%	2.5	C-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Resource Bank, N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Resource Bank, N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Resource Bank, N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Resource Bank, N.A.

Bank Holding Company RESOURCE BANCSHARES INC

Address 555 Bethany Rd, Dekalb, IL 60115 · Dekalb

Website https://www.resourcebank.com

FDIC Certificate # 3701

Established 19011001

FDIC Insurance Date 19340101

Domestic Offices 15

Total Branches 15

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

4.7

Excellent Out of 5.0 Stars

18.28%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3823%

Return on Equity (ROE) 18.5900%

Non-Performing Loans (NPL) 1.44%

Total Assets $868,634,000

Total Deposits $799,767,000

Equity Capital $66,381,000

Net Income $5,980,000

Headquarters Dekalb

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Resource Bank, N.A.

How many branches does Resource Bank, N.A. operate?

Resource Bank, N.A. currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Resource Bank, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Resource Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Does Resource Bank, N.A. offer online and mobile banking?

Most modern institutions like Resource Bank, N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.resourcebank.com.