Royal Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Royal Bank, based in Elroy, Wisconsin, reported $816 million in assets at June 30, 2026, up 5.8% from a year earlier. It carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.34% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 14% from a year earlier, to $3.1 million.
As of June 30, 2026, Royal Bank reported a CET1 capital ratio of 15.48%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.38%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 202 Main St, Elroy, WI 53929
- County
- Juneau
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 30, 1932
- Former names
- Royal Bank - Elroy (1991-1992)
- Offices
- 21 domestic
- Employees (FTE)
- 150
- Domestic deposits
- $723.1M
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $807.8M
- Average total loans
- $556.7M
- Average interest-bearing deposits
- $517.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13454
- Fed RSSD
- 532042
- Website
- http://www.royalbank-usa.com →
- Parent Holding Company
- ROYAL BANCSHARES, INC. (RSSD 1491904)
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 Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Royal 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Royal 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.
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 | 15.48% | 1.53% | 0.06% | 0.38% | 4.26% |
| Q1 2026 | 15.83% | 1.46% | 0.10% | 0.62% | 4.19% |
| Q4 2025 | 15.60% | 1.58% | 0.11% | 0.65% | 4.30% |
| Q3 2025 | 15.70% | 1.59% | 0.10% | 0.58% | 4.18% |
| Q2 2025 | 15.78% | 1.43% | 0.20% | 1.25% | 4.06% |
| Q1 2025 | 15.61% | 1.30% | 0.10% | 0.61% | 3.85% |
| Q4 2024 | 14.27% | 1.24% | 0.11% | 0.66% | 3.86% |
| Q3 2024 | 15.57% | 1.28% | 0.29% | 1.78% | 3.69% |
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 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Royal Bank (main office) | Elroy , WI | 53929 | $123.4M |
| Cobb Branch | Cobb , WI | 53526 | $75.3M |
| Cassville Branch | Cassville , WI | 53806 | $51.4M |
| Hillsboro Branch | Hillsboro , WI | 54634 | $48.4M |
| Adams Branch | Adams , WI | 53910 | $43.0M |
| Prairie Du Chien Branch | Prairie Du Chien , WI | 53821 | $38.7M |
| Mauston Branch | Mauston , WI | 53948 | $35.0M |
| Lancaster Branch | Lancaster , WI | 53813 | $32.6M |
| Gays Mills Branch | Gays Mills , WI | 54631 | $31.5M |
| Spring Green Branch | Spring Green , WI | 53588 | $29.9M |
| La Valle Branch | La Valle , WI | 53941 | $29.1M |
| New Lisbon Branch | New Lisbon , WI | 53950 | $28.1M |
| Richland Center Branch | Richland Center , WI | 53581 | $27.0M |
| Oxford Branch | Oxford , WI | 53952 | $24.5M |
| Viroqua Branch | Viroqua , WI | 54665 | $18.8M |
| Dickeyville Branch | Dickeyville , WI | 53808 | $18.8M |
| Camp Douglas Branch | Camp Douglas , WI | 54618 | $18.6M |
| Cazenovia Branch | Cazenovia , WI | 53924 | $17.7M |
| Lone Rock Branch | Lone Rock , WI | 53556 | $17.0M |
| Avoca Branch | Avoca , WI | 53506 | $8.5M |
| Endeavor Branch | Endeavor , WI | 53930 | $5.9M |
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 |
|---|---|---|---|
| July 15, 2017 | Structure Change | Acquired State Bank of Cazenovia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 14, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 2011 | Structure Change | Acquired Badger State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 11, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 14, 2007 | Structure Change | Acquired Acuity Bank Sale of Assets for the acquired bank | FFIEC NIC |
| July 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1998 | Structure Change | Acquired Royal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1992 | Structure Change | Acquired Royal Bank-Lone Rock 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 9 events.
Regulatory record
What the public regulatory sources show for Royal 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 41 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 338 applications, 247 loans originated, $48.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $370K approved, $123K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Bank
What are Royal Bank's total assets?
As of the Q2 2026 filing, Royal Bank reported total assets of $816.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Royal Bank headquartered?
Royal Bank is headquartered in Elroy, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Royal Bank founded?
Royal Bank was established in 1932, per the FDIC institution directory.
Is Royal Bank FDIC-insured?
Yes. Royal Bank is an FDIC-insured commercial bank (FDIC Certificate #13454). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Royal Bank?
Royal 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 Bank's CET1 capital ratio?
Royal Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Royal Bank operate?
Royal Bank operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Royal Bank's Texas Ratio?
Royal Bank's Texas Ratio is 0.38% 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.
What was Royal Bank previously called?
The charter now named Royal Bank has also operated as Royal Bank - Elroy (1991-1992), per FDIC structure-change records.
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