Royal Business Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Royal Business Bank carries far more capital than most banks of its size. The Los Angeles, California bank had $4.3 billion in assets at June 30, 2026, up 4.5% from a year earlier. It holds common equity equal to 19.68% of its risk-weighted assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it holds about half of its deposits (51%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.72% of loans from 1.73%. Its $368 million non-owner-occupied commercial real estate book is improving, with 2.28% past due or on nonaccrual, down from 5.93% a year earlier. Profitability lags: it returns 8.3% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Royal Business Bank reported a CET1 capital ratio of 19.68%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 7.97%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1055 Wilshire Blvd, Los Angeles, CA 90017
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 18, 2008
- Offices
- 25 domestic
- Employees (FTE)
- 381
- Domestic deposits
- $3.48B
- Allowance for credit losses
- $43.7M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $4.22B
- Average total loans
- $3.32B
- Average interest-bearing deposits
- $2.83B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 18, 2008
- FDIC Cert
- 58816
- Fed RSSD
- 3835454
- SEC CIK
- 1499422 → filed by RBB BANCORP
- Website
- www.royalbusinessbankusa.com →
- Parent Holding Company
- RBB BANCORP (RSSD 4176855) · RBB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Johnny C Lee | CEO | President/CEO |
| Lynn M Hopkins | CFO | EVP/CFO |
| Gary Fan | COO | EVP/Chief Operations Officer |
| Mina S. Rizkalla | CRO | EVP/Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Royal Business Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Royal Business Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Royal Business Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Royal Business Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.68% | 1.17% | 0.72% | 7.97% | 3.26% |
| Q1 2026 | 21.09% | 1.20% | 1.34% | 8.35% | 3.23% |
| Q4 2025 | 20.57% | 1.07% | 1.35% | 9.33% | 3.14% |
| Q3 2025 | 20.23% | 1.08% | 1.38% | 9.48% | 3.14% |
| Q2 2025 | 19.96% | 1.10% | 1.76% | 10.82% | 3.05% |
| Q1 2025 | 21.84% | 0.37% | 1.93% | 10.81% | 2.98% |
| Q4 2024 | 21.74% | 0.57% | 2.65% | 13.87% | 2.92% |
| Q3 2024 | 21.84% | 0.85% | 1.97% | 10.55% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| San Gabriel Branch | San Gabriel , CA | 91776 | $447.5M |
| Torrance Branch | Torrance , CA | 90505 | $306.9M |
| Arcadia Branch | Arcadia , CA | 91007 | $295.0M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $288.0M |
| Royal Business Bank (main office) | Los Angeles , CA | 90017 | $217.0M |
| Nevada Branch | Las Vegas , NV | 89102 | $167.9M |
| Diamond Bar Branch | Diamond Bar , CA | 91765 | $159.3M |
| Cerritos Branch | Cerritos , CA | 90703 | $156.8M |
| First American Branch | Brooklyn , NY | 11220 | $141.6M |
| Hawaii Main Branch | Honolulu , HI | 96813 | $126.3M |
| Eighth Avenue Branch | Brooklyn , NY | 11220 | $122.3M |
| Monterey Park Branch | Monterey Park , CA | 91754 | $120.4M |
| Flushing | Flushing , NY | 11354 | $119.9M |
| Pacific Global Bank Branch | Chicago , IL | 60616 | $117.3M |
| Irvine Branch | Irvine , CA | 92618 | $113.5M |
| Canal Branch | New York , NY | 10013 | $110.9M |
| 42-04 Main Street, Flushing Branch | Flushing , NY | 11355 | $77.8M |
| Elmhurst Branch | Elmhurst , NY | 11373 | $77.5M |
| Oxnard Branch | Oxnard , CA | 93036 | $66.0M |
| Edison Branch | Edison , NJ | 08817 | $57.7M |
| Pacific Global Bank Branch | Chicago , IL | 60608 | $54.9M |
| Bensonhurst Branch | Brooklyn , NY | 11214 | $50.8M |
| Silverlake-Sunset Branch | Los Angeles , CA | 90026 | $44.7M |
| Westlake Village Branch | Westlake Village , CA | 91362 | $38.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 11, 2020 | Structure Change | Acquired Pacific Global Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2018 | Structure Change | Acquired First American International Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2016 | Structure Change | Acquired TomatoBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2013 | Structure Change | Acquired Los Angeles National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2011 | Structure Change | Acquired Ventura County Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2011 | Structure Change | Acquired First Asian Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Royal Business Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (SEC Form 8-K)
- August 23, 2024, SEC Form 8-K: 8-K Item 8.01: consent order
- October 31, 2023, SEC Form 8-K: 8-K Item 8.01: consent order
- October 31, 2023, SEC Form 8-K: 8-K Item 9.01: consent order
- Period: Most recent institution action August 23, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CA, rank 61 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,093 applications, 653 loans originated, $579.6M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $26.5M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Royal Business Bank
What are Royal Business Bank's total assets?
As of the Q2 2026 filing, Royal Business Bank reported total assets of $4.27 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Royal Business Bank headquartered?
Royal Business Bank is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Royal Business Bank founded?
Royal Business Bank was established in 2008, per the FDIC institution directory.
Is Royal Business Bank FDIC-insured?
Yes. Royal Business Bank is an FDIC-insured commercial bank (FDIC Certificate #58816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Royal Business Bank?
Royal Business Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Royal Business Bank's CET1 capital ratio?
Royal Business Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Royal Business Bank operate?
Royal Business Bank operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Royal Business Bank's Texas Ratio?
Royal Business Bank's Texas Ratio is 7.97% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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