Royal Banks of Missouri
Total assets
$1.03B
▲ +0.5% YoY
Deposits
$891.6M
▼ -0.5% YoY
Loans
$802.9M
▲ +7.6% YoY
Offices
19
ROYAL BANCSHARES INC
ROA (annualized)
1.05%
peers 1.26%
ROE (annualized)
8.76%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | -0.5% | +5.1% | -5.5 pts |
| Loan growth (YoY) | +7.6% | +5.9% | +1.7 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 8.8% | 12.2% | -3.4 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
Profile
- Established
- 1965
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- ROYAL BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 8550 Olive Blvd, Saint Louis, MO, 63132
- County
- St. Louis
- Metro area
- St. Louis, MO-IL
- Offices
- 19
- FDIC cert #
- 19512
- RSSD ID
- 501459
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $891.6M | $802.9M | $127.6M | $5.5M | 1.05% | 4.06% | 1.59% |
| Q1 2026 | $1.05B | $914.0M | $774.7M | $125.3M | $2.8M | 1.05% | 3.96% | 1.62% |
| Q4 2025 | $1.05B | $917.6M | $787.6M | $124.1M | $8.4M | 0.81% | 3.70% | 1.60% |
| Q3 2025 | $1.04B | $912.3M | $768.3M | $121.7M | $5.9M | 0.76% | 3.60% | 1.59% |
| Q2 2025 | $1.03B | $895.7M | $746.4M | $120.4M | $3.9M | 0.75% | 3.43% | 1.81% |
| Q1 2025 | $1.04B | $909.6M | $739.8M | $118.2M | $1.7M | 0.65% | 3.24% | 1.78% |
| Q4 2024 | $1.05B | $922.5M | $758.6M | $116.9M | $8.1M | 0.78% | 3.23% | 1.45% |
| Q3 2024 | $1.04B | $893.1M | $770.3M | $138.8M | $5.6M | 0.72% | 3.16% | 1.51% |
Loan mix (Q2 2026): real estate $689.3M · commercial $104.8M · consumer $4.1M · securities $78.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Royal Banks of Missouri | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.70% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 59.0% | 65th | |
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% |
Balance sheet
| Ratio | Royal Banks of Missouri | 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% |
Capital
| Ratio | Royal Banks of Missouri | 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% |
Credit quality
| Ratio | Royal Banks of Missouri | 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% |
Franchise
| Ratio | Royal Banks of Missouri | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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