BanksROYAL BANK

ROYAL BANK

ELROY, WIMediumEst. April 30, 1932, midnightFDIC #13454RSSD #532042FDIC
Latest · 2025-12-31

ROYAL BANK is an FDIC-insured commercial bank headquartered in ELROY, WI, established in April 30, 1932, midnight. As of 2025-12-31, 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 4.36%. CET1 capital ratio: 15.60%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.62%. Operates 21 domestic branches.

Assets
$799M
Deposits
$708M
Loans
$551M
Equity
$85M

Profitability

Return on Assets (ROA)1.57%
Return on Equity (ROE)14.76%
Net Interest Margin4.36%
Yield on Assets5.57%
Cost of Funds1.26%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio0.00%
Texas Ratio0.62%
NPA Ratio0.07%
ACL / Loans1.51%

Capital & Liquidity

CET1 Ratio15.60%
Tier 1 Capital15.60%
Total Capital Ratio16.85%
Leverage Ratio10.54%
Loan-to-Deposit77.82%

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