Royal Banks of Missouri
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Data as of · sourced from FFIEC call reports. How we update
Royal Banks of Missouri is an FDIC-insured commercial bank headquartered in Saint Louis, MO, established in 1965 (FDIC certificate 19512), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.03B, up 0.5% from Q2 2025, the 36th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.07% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19512
- Headquarters
- Saint Louis, MO
- Established
- 1965
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 12.07%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 081001439
- Latest call report
- Q2 2026, FFIEC 051 · Royal Banks of Missouri call report
- Holding company
- ROYAL BANCSHARES, INC.
- Asset rank in state
- 36th of 191 in Missouri
Royal Banks of Missouri leans heavily on commercial real estate. Based in Saint Louis, Missouri, it had $1.0 billion in assets at June 30, 2026. It holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 2.2 times). It also carries problem assets equal to 14.1% of the capital and reserves that would absorb them, 3.9 times the median of 3.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 7.4% and deposits fell 0.5%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 0.59%. Profitability lags: it returns 8.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.7%).
As of June 30, 2026, Royal Banks of Missouri reported a CET1 capital ratio of 12.07%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 14.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Royal Banks of Missouri is the 36th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 1.9% to $1.03B, loans rose 3.6% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 42.8% of total loans, ahead of 1-4 family residential loans at 19.3%. Its 18 offices in the FDIC Summary of Deposits are in 12 cities across 2 states; its Saint Louis 6 offices book 31% of its branch deposits. On its Q2 2026 call report, Royal Banks of Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8550 Olive Blvd, Saint Louis, MO 63132
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 8, 1965
- Former names
- Royal Bank Mid-County (1982-1987)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $891.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $1.04B
- Average total loans
- $797.0M
- Average interest-bearing deposits
- $713.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 8, 1965
- FDIC Cert
- 19512
- Fed RSSD
- 501459
- SEC CIK
- 1668802 → filed by ROYAL BANCSHARES, INC.
- Website
- http://www.royalbanksofmo.com →
- Parent Holding Company
- ROYAL BANCSHARES, INC. (RSSD 1096372)
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 Banks of Missouri's total assets moved between a low of $1.01B (Q3 2023) and a high of $1.05B (Q4 2025) 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
$1.03B total assets against $1.03B; $904.0M total liabilities against $905.8M.
$802.9M net loans and leases against $746.4M; $891.6M total deposits against $895.7M.
$78.9M securities against $105.1M; $50.2M cash and balances due against $75.7M.
$14.3M total interest income against $13.6M; $4.6M total interest expense against $5.3M.
$9.6M net interest income against $8.3M.
$770K total noninterest income against $952K; $6.7M total noninterest expense against $6.1M.
$249K provision for credit losses against $356K.
$2.7M net income against $2.2M.
1.06% return on assets against 0.85%; 4.13% net interest margin against 3.57%.
12.07% CET1 capital ratio against 12.12%; 10.93% tier 1 leverage ratio against 10.22%.
Inside the full Royal Banks of Missouri 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Royal Banks of Missouri rankings
Its closest position to the top of a national ranking is 348 of 3,640, for Texas Ratio; its furthest is 1,682 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q3 2024) to 1.06% (Q2 2026) and its net interest margin ran from 2.77% (Q3 2024) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.07% | 1.06% | 0.16% | 14.12% | 4.13% |
| Q1 2026 | 12.26% | 1.04% | 0.19% | 15.03% | 3.91% |
| Q4 2025 | 11.93% | 0.98% | 0.16% | 15.02% | 3.99% |
| Q3 2025 | 11.94% | 0.77% | 0.13% | 15.18% | 3.89% |
| Q2 2025 | 12.12% | 0.85% | 0.59% | 17.02% | 3.57% |
| Q1 2025 | 11.95% | 0.64% | 0.59% | 17.39% | 3.21% |
| Q4 2024 | 11.57% | 0.98% | 0.14% | 14.42% | 3.39% |
| Q3 2024 | 13.79% | 0.45% | 0.21% | 12.35% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 Banks of Granite City Branch | Granite City , IL | 62040 | $130.4M |
| St. Charles Branch | Saint Charles , MO | 63303 | $108.6M |
| Royal Banks of Missouri (main office) | Saint Louis , MO | 63132 | $108.2M |
| Creve Coeur Facility | Saint Louis , MO | 63141 | $104.7M |
| Royal Banks of Jerseyville Branch | Jerseyville , IL | 62052 | $85.1M |
| Kirkwood Banking Center | Kirkwood , MO | 63122 | $75.0M |
| St Louis Hills Facility | Saint Louis , MO | 63139 | $63.5M |
| St. Charles Branch | Saint Charles , MO | 63301 | $62.4M |
| Glendale Facility | Glendale , MO | 63122 | $50.7M |
| New London Facility Branch | New London , MO | 63459 | $28.5M |
| Royal Banks of Missouri - University City Branch | University City , MO | 63130 | $23.7M |
| Center Facility | Center , MO | 63436 | $22.6M |
| Hannibal Branch Office | Hannibal , MO | 63401 | $14.6M |
| Claymont Branch | Ballwin , MO | 63011 | $13.0M |
| Crown Center Branch | Saint Louis , MO | 63124 | $501K |
| Habitat for Humanity Office Branch | Saint Louis , MO | 63118 | $33K |
| Covenant House Branch | Saint Louis , MO | 63146 | $6K |
| Earth Citiy Frontenac Branch | Earth City , MO | 63045 | $5K |
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 31, 2021 | Structure Change | Acquired Saints Avenue Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2016 | Structure Change | Acquired Frontenac Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 1987 | Structure Change | Acquired Royal Bank-West Side National Association 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 64 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $2.3M approved, $328K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, 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 Royal Banks of Missouri
What are Royal Banks of Missouri's total assets?
As of the Q2 2026 filing, Royal Banks of Missouri reported total assets of $1.03 billion in its FFIEC call report.
Where is Royal Banks of Missouri headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Royal Banks of Missouri founded?
It was established in 1965, per the FDIC institution directory.
Is Royal Banks of Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Royal Banks of Missouri?
Royal Banks of Missouri's primary federal regulator is the FDIC.
What is Royal Banks of Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does Royal Banks of Missouri operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Royal Banks of Missouri's Texas Ratio?
Its Texas Ratio is 14.12% 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 Banks of Missouri previously called?
The charter now named Royal Banks of Missouri has also operated as Royal Bank Mid-County (1982-1987), per FDIC structure-change records.
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