Royal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 1042.09 percentage points in Q2 2026, from 1495.33% to 2537.43%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Royal Bank is 51st of 153 on return on assets, 1.53% as of Q2 2026, above the middle of the field. Royal Bank reported 1.53% on return on assets for Q2 2026, 0.28 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.48% |
| Tier 1 risk-based capital ratio | 15.48% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 10.53% |
| Equity capital to assets | 10.61% |
| Tangible equity to tangible assets | 10.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.38% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 2537.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 14.40% |
| Net interest margin | 4.26% |
| Efficiency ratio | 57.00% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.98% |
| Core deposits to total deposits | 91.74% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.60% |
| Securities to assets | 23.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.65% | 15.65% | 16.90% | 10.50% | 1.26% |
| Q4 2023 | 15.71% | 15.71% | 16.96% | 10.44% | 1.33% |
| Q1 2024 | 15.86% | 15.86% | 17.12% | 10.33% | 1.18% |
| Q2 2024 | 15.60% | 15.60% | 16.86% | 10.24% | 1.19% |
| Q3 2024 | 15.57% | 15.57% | 16.82% | 10.37% | 1.28% |
| Q4 2024 | 14.27% | 14.27% | 15.52% | 10.11% | 1.24% |
| Q1 2025 | 15.61% | 15.61% | 16.86% | 10.24% | 1.30% |
| Q2 2025 | 15.78% | 15.78% | 17.04% | 10.39% | 1.43% |
| Q3 2025 | 15.70% | 15.70% | 16.95% | 10.52% | 1.59% |
| Q4 2025 | 15.60% | 15.60% | 16.85% | 10.54% | 1.58% |
| Q1 2026 | 15.83% | 15.83% | 17.09% | 10.50% | 1.46% |
| Q2 2026 | 15.48% | 15.48% | 16.73% | 10.53% | 1.53% |
Royal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Royal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13454) · FFIEC NIC profile (RSSD 532042)