Royal Banks of Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Royal Banks of Missouri of Saint Louis, MO against its peer group of 931 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 | 1.06% | 1.46% | -0.40% | 33rd below |
| ROAE | 8.69% | 12.72% | -4.03% | 24th bottom |
| Net Interest Margin | 4.13% | 3.85% | +0.28% | 76th top |
| Efficiency Ratio | 63.27% | 57.40% | +5.87% | 35th below |
| PPNR / Avg Assets | 1.43% | 1.88% | -0.45% | 33rd below |
| Yield on Earning Assets | 6.12% | 5.72% | +0.40% | 80th top |
| Cost of Funds | 2.05% | 2.02% | +0.03% | 48th below |
| Net Interest Spread | 3.53% | 3.18% | +0.35% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 1.00% | -0.84% | 84th top |
| NPA / Total Assets | 1.59% | 0.76% | +0.83% | 11th bottom |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 52nd above |
| ACL / Total Loans | 0.60% | 1.31% | -0.71% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 365.98% | 543.42% | -177.44% | 75th top |
| Texas Ratio | 14.12% | 7.39% | +6.73% | 13th bottom |
| Provision / NCO | 642.22% | 618.59% | +23.63% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.07% | 17.34% | -5.27% | 26th below |
| Tier 1 Ratio | 12.07% | 17.37% | -5.30% | 26th below |
| Total Capital Ratio | 12.60% | 18.42% | -5.82% | 17th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.93% | 11.44% | -0.51% | 59th above |
| Equity / Assets | 12.37% | 11.33% | +1.04% | 80th top |
| TCE / Tangible Assets | 10.95% | 10.50% | +0.45% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.59% | 86.95% | +3.64% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.15% | 85.55% | +2.60% | 48th below |
| Uninsured Deposit Ratio | 25.16% | 33.13% | -7.97% | 71st above |
| Wholesale Funding Ratio | 0.35% | 5.71% | -5.36% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.53% | 9.68% | -9.15% | 19th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.43% | 8.06% | -0.63% | 61st above |
| Deposit Growth (Y/Y) | -0.45% | 7.87% | -8.32% | 16th bottom |
See Royal Banks of Missouri's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Royal Banks of Missouri, 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 Banks of Missouri profile, how to read a UBPR, or how this data updates.