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555 Bethany Road
DeKalb, IL 60115

Resource Bank (A Nat'l Bank) is headquartered in Dekalb and is the 113st largest bank in the state of Illinois. It is also the 1,745th largest bank in the nation. It was established in 1901 and as of March of 2014, it had grown to 130 employees at 9 locations. Resource Bank (A Nat'l Bank) has a B+ health rating.

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Reviews (2)

Rate Drop Dismay

Just a few months back, I drove twelve hours round-trip from Minneapolis to northern Illinois to move my entire banking business to Resource Bank.  I was literally banking on the un-matched stability of Resource's 4% interest incentive on "Extreme Green" checking accounts.  All I can say now is that I'm extremely disappointed with this recent rate drop to 3%.  I will likely be moving my banking business back to Minnesota as a result.

Not National

When I called the bank yesterday they said you have to go there in person to open the account.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Resource Bank (A Nat'l Bank) had $8.43 million in non-current loans and owned real-estate with $39.09 million in equity and loan loss allowances on hand to cover it. This gives Resource Bank (A Nat'l Bank) a Texas Ratio of 21.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Resource Bank (A Nat'l Bank) decreased slightly from 30.68% as of March 31, 2013 to 21.56% as of March 31, 2014, resulting in a positive change of 29.74%.This indicates that the balance sheet and financial strength for Resource Bank (A Nat'l Bank) has improved slightly in recent periods.

Deposit Growth


In the past year, Resource Bank (A Nat'l Bank) has increased its total deposits by $5.12 million, resulting in 1.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Resource Bank (A Nat'l Bank) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Resource Bank (A Nat'l Bank) has $379.16 million in assets with $39.09 million in equity, resulting in a capitalization level of 10.31%, which is above average.

Institution Statistics

FDIC Certificate #3701
Year Established1901
Primary RegulatorOCC
Assets and Liabilities
Assets$379.16 million
Loans$220.69 million
Deposits$326.83 million
Equity Capital$36.22 million
Loan Loss Allowance$2.87 million
Unbacked Noncurrent Loans$8.02 million
Real Estate Owned$407,000
Historic Data - March 2013
Assets$373.55 million
Equity Capital$35.91 million
Loan Loss Allowance$2.90 million
Unbacked Noncurrent Loans$8.02 million
Real Estate Owned$330,000
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.5%
Return on Equity5.32%
Interest Income$3.45 million
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Resource Bank (A Nat'l Bank) Checking Account Rates

1.59%-$25kExtreme Green Checking - Qualifying
0.05%--Extreme Green Checking - Non Qualifying

Resource Bank (A Nat'l Bank) Locations
Cortland Branch2007 Somonauk RoadCortland, IL 60112
Malta Branch201 State Route 38Malta, IL 60150
Hinckley Branch280 East Lincoln HighwayHinckley, IL 60520
Shabbona Branch308 East Comanche AvenueShabbona, IL 60550
Genoa Branch310 Highway 23Genoa, IL 60135
Sycamore Branch403 East State StreetSycamore, IL 60178
Resource Bank, National Association555 Bethany RoadDekalb, IL 60115
Resource Bank, National Assoication Branch605 East Market StreetSomonauk, IL 60552
Annie Glidden Branch775 S. Annie Glidden RoadDekalb, IL 60115