ROYAL BANK
ROYAL BANK is an FDIC-insured commercial bank headquartered in ELROY, WI, established in 1932. As of , the bank reported total assets of $799M and total deposits of $708M. Profitability stands at 1.57% ROA and 14.76% ROE, with a net interest margin of 4.23%. CET1 capital ratio: 15.60%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.62%. Operates 21 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Royal Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 15.60% | 1.57% | 0.10% | 0.62% | 4.23% |
| 2025-09-30 | 15.70% | 1.58% | 0.10% | 0.56% | 4.10% |
| 2025-06-30 | 15.78% | 1.42% | 0.20% | 1.20% | 4.00% |
| 2025-03-31 | 15.61% | 1.29% | 0.10% | 0.59% | 3.79% |
| 2024-12-31 | 14.27% | 1.24% | 0.11% | 0.64% | 3.80% |
| 2024-09-30 | 15.57% | 1.27% | 0.29% | 1.69% | 3.63% |
| 2024-06-30 | 15.60% | 1.20% | 0.17% | 1.03% | 3.53% |
| 2024-03-31 | 15.86% | 1.18% | 0.20% | 1.16% | 3.47% |
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Frequently asked about ROYAL BANK
What are Royal Bank's total assets?
As of the Q4 2025 filing, Royal Bank reported total assets of $798.8 million in its most recent 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 required of all FDIC-insured commercial banks.
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 15.60% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Royal Bank operate?
Royal Bank operates 21 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Royal Bank's Texas Ratio?
Royal Bank's Texas Ratio is 0.62% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.