Royal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Royal Bank of Elroy, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 14.40% | 13.31% | +1.09% | 62nd above |
| Net Interest Margin | 4.26% | 3.93% | +0.33% | 68th above |
| Efficiency Ratio | 57.00% | 61.14% | -4.14% | 63rd above |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 69th above |
| Yield on Earning Assets | 5.50% | 5.67% | -0.17% | 45th below |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 78th top |
| ACL / NPLs (Coverage) | 2537.43% | 1537.81% | +999.62% | — |
| Texas Ratio | 0.38% | 7.34% | -6.96% | 82nd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 769.23% | 1396.24% | -627.01% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.48% | 19.51% | -4.03% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.48% | 19.54% | -4.06% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.73% | 20.63% | -3.90% | 55th above |
| Leverage Ratio | 10.53% | 12.14% | -1.61% | 42nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.37% | -0.76% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.28% | 11.09% | -0.81% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.98% | 80.64% | -2.66% | 55th above |
| Core Deposit Ratio | 91.74% | 86.86% | +4.88% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.77% | 6.85% | -1.08% | 60th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.53% | 7.90% | -0.37% | 63rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 6.29% | -0.55% | 62nd above |
See Royal Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Royal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Royal Bank profile, how to read a UBPR, or how this data updates.