| Metric | Royal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +7.5% | +5.3% | +2.2 pts |
| ROA | 1.49% | 1.28% | +0.2 pts |
| ROE | 14.0% | 12.4% | +1.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $816.1M | $723.1M | $555.4M | $86.6M | $6.0M | 1.49% | 4.18% | 0.04% |
| Q1 2026 | $808.6M | $716.5M | $543.2M | $85.3M | $2.9M | 1.44% | 4.13% | 0.07% |
| Q4 2025 | $798.8M | $708.3M | $542.9M | $84.5M | $11.3M | 1.46% | 4.05% | 0.07% |
| Q3 2025 | $775.8M | $686.0M | $525.1M | $82.8M | $8.2M | 1.43% | 3.99% | 0.07% |
| Q2 2025 | $771.6M | $683.8M | $516.5M | $80.8M | $5.2M | 1.35% | 3.91% | 0.14% |
| Q1 2025 | $760.0M | $673.8M | $498.4M | $79.1M | $2.5M | 1.29% | 3.81% | 0.07% |
| Q4 2024 | $766.6M | $682.2M | $500.2M | $77.6M | $9.0M | 1.22% | 3.64% | 0.07% |
| Q3 2024 | $740.4M | $656.2M | $488.8M | $77.5M | $6.7M | 1.21% | 3.58% | 0.20% |
Loan mix (Q2 2026): real estate $452.4M · commercial $37.3M · consumer $13.3M · securities $193.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Royal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.28% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 61.2% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Royal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Royal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Royal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Royal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.