Royal Bank
BankRegReports is independent of Royal Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Royal Bank is an FDIC-insured commercial bank headquartered in Elroy, WI, established in 1932 (FDIC certificate 13454), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $816.1M, up 5.8% from Q2 2025, the 39th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 15.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13454
- Headquarters
- Elroy, WI
- Established
- 1932
- Total assets, Q2 2026
- $816.1M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 15.48%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 075903116
- Holding company
- ROYAL BANCSHARES, INC.
- Asset rank in state
- 39th of 153 in Wisconsin
Little in Royal Bank's latest call report stands out. Its balance sheet stood at $816 million at June 30, 2026, up 5.8% from a year earlier; it is based in Elroy, Wisconsin. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
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%. The figures come from its call report filed with the FFIEC.
Royal Bank ranks as the 39th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $816.1M, loans rose 2.2% and deposits rose 0.9%. 1-4 family residential loans made up 29.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.5%. The FDIC Summary of Deposits lists 21 offices for it, in 21 cities in WI; its Elroy office books 17% of its branch deposits. By the capital ratios in its Q2 2026 call report, Royal Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 21 FDIC institution directory, current count
- 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
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
Royal Bank's total assets moved between a low of $715.5M (Q3 2023) and a high of $816.1M (Q2 2026) from Q3 2023 to 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
$816.1M total assets against $771.6M; $729.5M total liabilities against $690.8M.
$555.4M net loans and leases against $516.5M; $723.1M total deposits against $683.8M.
$193.6M securities against $178.0M; $30.3M cash and balances due against $42.3M.
$10.5M total interest income against $9.5M; $2.4M total interest expense against $2.2M.
$8.1M net interest income against $7.2M.
$1.2M total noninterest income against $1.1M; $5.4M total noninterest expense against $4.9M.
$150K provision for credit losses against $175K.
$3.1M net income against $2.7M.
1.53% return on assets against 1.43%; 4.26% net interest margin against 4.06%.
15.48% CET1 capital ratio against 15.78%; 10.53% tier 1 leverage ratio against 10.39%.
Inside the full Royal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 1,225 of 4,196, for total assets; its furthest is 3,037 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.24% (Q4 2024) to 1.59% (Q3 2025) and its net interest margin ran from 3.69% (Q3 2024) to 4.30% (Q4 2025).
| 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
View all 21 branches → 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Royal Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Royal Bank headquartered?
It is headquartered in Elroy, WI, United States.
When was Royal Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Royal Bank FDIC-insured?
Yes. It 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.
What is Royal Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.38% 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 Royal Bank previously called?
The charter now named Royal Bank has also operated as Royal Bank - Elroy (1991-1992), per FDIC structure-change records.
Go deeper on Royal Bank.
Get an email when Royal Bank files its next call report, and benchmark it against any peer you choose.
Unlock Royal Bank, freeFree account