RBC Bank (Georgia), N.A.
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Data as of · sourced from FFIEC call reports. How we update
RBC Bank (Georgia), N.A. is an FDIC-insured commercial bank headquartered in Atlanta, GA, established in 1985 (FDIC certificate 26342), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.59B, up 39.7% from Q2 2025, the 2nd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 48.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26342
- Headquarters
- Atlanta, GA
- Established
- 1985
- Total assets, Q2 2026
- $9.59B
- Assets vs Q2 2025
- +39.7%
- CET1 ratio, Q2 2026
- 48.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063216608
- Latest call report
- Q2 2026, FFIEC 041 · RBC Bank (Georgia), N.A. call report
- Holding company
- RBC USA HOLDCO CORPORATION
- Asset rank in state
- 2nd of 121 in Georgia
RBC Bank (Georgia), N.A. is one of the more profitable banks of its size. The Atlanta, Georgia bank had $9.6 billion in assets at June 30, 2026, up 39.7% from a year earlier. It earns about $2.57 a year on every $100 of assets, about double the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 24 cents to bring in each dollar of revenue, about a third the median of 58 cents for banks its size.
Earnings jumped: net income for the quarter was $61 million, 41% above the same quarter a year earlier. Over the same year, loans grew 54.7% and deposits grew 42.7%.
As of June 30, 2026, RBC Bank (Georgia), N.A. reported a CET1 capital ratio of 48.11%, a return on assets of 2.57%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 1.87%. The figures come from its call report filed with the FFIEC.
RBC Bank (Georgia), N.A. ranks as the 2nd largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 9.2% to $9.59B, loans rose 27.1% and deposits rose 9.8%. 1-4 family residential loans made up 58.4% of its total loans on June 30, 2026, its largest category; next came loans for purchasing or carrying securities at 36.1%. Its one office in the FDIC Summary of Deposits is in Atlanta, GA. By the capital ratios in its Q2 2026 call report, RBC Bank (Georgia), N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3550 Lenox Rd Ne, Atlanta, GA 30326
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 30, 1985
- Former names
- First Gulf Bank, National Association (2005-2009); Citizens & Peoples Bank, National Association (1997-2005); Citizens and People's Bank, National Association (1997)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 269
- Domestic deposits
- $8.54B
- Allowance for credit losses
- $23.0M
- Net charge-offs (YTD)
- $6.2M
- Average total assets
- $9.42B
- Average total loans
- $3.94B
- Average interest-bearing deposits
- $6.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 30, 1985
- FDIC Cert
- 26342
- Fed RSSD
- 3783948
- Website
- www.rbcbank.com →
- Parent Holding Company
- RBC USA HOLDCO CORPORATION (RSSD 3226762)
- Ultimate Parent
- ROYAL BANK OF CANADA (RSSD 1232497)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, RBC Bank (Georgia), N.A.'s total assets ranged from $6.33B (Q3 2023) to $9.59B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.59B total assets against $6.87B; $8.64B total liabilities against $6.06B.
$4.36B net loans and leases against $2.81B; $8.54B total deposits against $5.98B.
$4.75B securities against $3.74B; $360.5M cash and balances due against $220.5M.
$102.8M total interest income against $78.0M; $10.7M total interest expense against $7.1M.
$92.1M net interest income against $70.9M.
$13.9M total noninterest income against $13.3M; $25.9M total noninterest expense against $26.0M.
$1.8M provision for credit losses against $2.6M.
$60.6M net income against $42.9M.
2.57% return on assets against 2.48%; 3.98% net interest margin against 4.15%.
48.11% CET1 capital ratio against 40.39%; 10.42% tier 1 leverage ratio against 11.82%.
Inside the full RBC Bank (Georgia), N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRBC Bank (Georgia), N.A. rankings
Its closest position to the top of a national ranking is 3 of 2,134, for CET1 ratio; its furthest is 960 of 980, for uninsured deposits.
Metric pages for RBC Bank (Georgia), N.A.: ROA, CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.07% (Q3 2024) to 2.57% (Q2 2026) and its net interest margin ran from 3.92% (Q3 2024) to 4.15% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 48.11% | 2.57% | 0.41% | 1.87% | 3.98% |
| Q1 2026 | 43.93% | 2.27% | 0.61% | 2.30% | 3.92% |
| Q4 2025 | 41.11% | 2.55% | 0.66% | 2.38% | 4.04% |
| Q3 2025 | 40.60% | 2.49% | 0.68% | 2.35% | 4.04% |
| Q2 2025 | 40.39% | 2.48% | 0.69% | 2.37% | 4.15% |
| Q1 2025 | 37.04% | 2.37% | 0.67% | 2.49% | 4.08% |
| Q4 2024 | 34.95% | 2.46% | 0.61% | 2.38% | 3.98% |
| Q3 2024 | 33.92% | 2.07% | 0.52% | 2.08% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rbc Bank, (Georgia) National Association | Atlanta , GA | 30326 | $8.54B |
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 |
|---|---|---|---|
| August 27, 2009 | Structure Change | Acquired RBC Bank (Georgia) 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.3% of deposits in GA, rank 11 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Consumer complaints
- 25 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about RBC Bank (Georgia), N.A.
What are RBC Bank (Georgia), N.A.'s total assets?
As of the Q2 2026 filing, RBC Bank (Georgia), N.A. reported total assets of $9.59 billion in its FFIEC call report.
Where is RBC Bank (Georgia), N.A. headquartered?
It is headquartered in Atlanta, GA, United States.
When was RBC Bank (Georgia), N.A. founded?
It was established in 1985, per the FDIC institution directory.
Is RBC Bank (Georgia), N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates RBC Bank (Georgia), N.A.?
RBC Bank (Georgia), N.A.'s primary federal regulator is the OCC.
What is RBC Bank (Georgia), N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 48.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does RBC Bank (Georgia), N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is RBC Bank (Georgia), N.A.'s Texas Ratio?
Its Texas Ratio is 1.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was RBC Bank (Georgia), N.A. previously called?
The charter now named RBC Bank (Georgia), N.A. has also operated as First Gulf Bank, National Association (2005-2009), Citizens & Peoples Bank, National Association (1997-2005), Citizens and People's Bank, National Association (1997), per FDIC structure-change records.
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