Royal Business Bank
Royal Business Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, supervised by the FDIC, with $4.24B in total assets at Q3 2026, up 1.0% from Q3 2025, the 25th largest of 113 banks headquartered in California. It was established in 2008 and holds FDIC certificate 58816. Its CET1 capital ratio was 19.84% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58816
- Headquarters
- Los Angeles, CA
- Established
- 2008
- Total assets, Q3 2026
- $4.24B
- Assets vs Q3 2025
- +1.0%
- CET1 ratio, Q3 2026
- 19.84%
- Domestic offices
- 25 branches
- Routing number
- 122045037
- Safety and soundness
- Is Royal Business Bank safe?
- Latest call report
- Q3 2026, FFIEC 041 · Royal Business Bank call report
- Holding company
- RBB BANCORP
- Asset rank in state
- 25th of 113 in California
Royal Business Bank carries far more capital than most banks of its size. Its balance sheet stood at $4.2 billion at September 30, 2026; it is based in Los Angeles, California. It holds common equity equal to 19.84% of its risk-weighted assets, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 13.62%). On the other hand, it holds about half of its deposits (51%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 31.1%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.55% of loans from 1.35%. Net income for the quarter rose 25% from a year earlier, to $14 million. Its margin is thin by comparison: it keeps 3.32 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.80 cents).
As of September 30, 2026, Royal Business Bank reported a CET1 capital ratio of 19.84%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 6.94%. The figures come from its call report filed with the FFIEC.
Royal Business Bank ranks as the 25th largest of the 113 banks based in California, by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 0.6% to $4.24B, loans rose 2.7% and deposits fell 1.3%. 1-4 family residential loans made up 54.4% of its total loans on September 30, 2026, its largest category; next came multifamily loans at 22.7%. The FDIC Summary of Deposits lists 24 offices for it, in 19 cities across 6 states; its San Gabriel office books 13% of its branch deposits. On its Q3 2026 call report, Royal Business Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1055 Wilshire Blvd, Los Angeles, CA 90017
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 18, 2008
- Domestic offices
- 25 branches
- Employees (FTE)
- 385
- Domestic deposits
- $3.43B
- Allowance for credit losses
- $44.0M
- Net charge-offs (YTD)
- $227K
- Average total assets
- $4.28B
- Average total loans
- $3.33B
- Average interest-bearing deposits
- $2.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 18, 2008
- FDIC Cert
- 58816
- Fed RSSD
- 3835454
- SEC CIK
- 1499422 → filed by RBB BANCORP
- Website
- www.royalbusinessbankusa.com →
- Parent Holding Company
- RBB BANCORP (RSSD 4176855) · RBB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Johnny C Lee | CEO | President/CEO |
| Lynn M Hopkins | CFO | EVP/CFO |
| Gary Fan | COO | EVP/Chief Operations Officer |
| Mina S. Rizkalla | CRO | EVP/Chief Risk Officer |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch Royal Business Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Royal Business Bank's total assets ran between $3.86B (Q2 2024) and $4.27B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$4.24B total assets against $4.20B; $3.66B total liabilities against $3.61B.
$3.36B net loans and leases against $3.26B; $3.43B total deposits against $3.42B.
$385.5M securities against $414.8M; $190.5M cash and balances due against $235.1M.
$59.3M total interest income against $57.4M; $25.8M total interest expense against $26.5M.
$33.5M net interest income against $30.9M.
$5.2M total noninterest income against $2.8M; $19.2M total noninterest expense against $18.6M.
$500K provision for credit losses against $625K.
$14.0M net income against $11.2M.
1.31% return on assets against 1.08%; 3.32% net interest margin against 3.14%.
19.84% CET1 capital ratio against 20.23%; 12.71% tier 1 leverage ratio against 13.03%.
Inside the full Royal Business 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Royal Business Bank rankings
Its closest position to the top of a national ranking is 318 of 4,193, for total assets; its furthest is 1,804 of 3,627, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.37% (Q1 2025) to 1.31% (Q3 2026) and its net interest margin ran from 2.92% (Q4 2024) to 3.32% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 19.84% | 1.31% | 0.55% | 6.94% | 3.32% |
| Q2 2026 | 19.68% | 1.17% | 0.72% | 7.97% | 3.26% |
| Q1 2026 | 21.09% | 1.20% | 1.34% | 8.35% | 3.23% |
| Q4 2025 | 20.57% | 1.07% | 1.35% | 9.33% | 3.14% |
| Q3 2025 | 20.23% | 1.08% | 1.38% | 9.48% | 3.14% |
| Q2 2025 | 19.96% | 1.10% | 1.76% | 10.82% | 3.05% |
| Q1 2025 | 21.84% | 0.37% | 1.93% | 10.81% | 2.98% |
| Q4 2024 | 21.74% | 0.57% | 2.65% | 13.87% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 24 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 |
|---|---|---|---|
| San Gabriel Branch | San Gabriel , CA | 91776 | $447.5M |
| Torrance Branch | Torrance , CA | 90505 | $306.9M |
| Arcadia Branch | Arcadia , CA | 91007 | $295.0M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $288.0M |
| Royal Business Bank (main office) | Los Angeles , CA | 90017 | $217.0M |
| Nevada Branch | Las Vegas , NV | 89102 | $167.9M |
| Diamond Bar Branch | Diamond Bar , CA | 91765 | $159.3M |
| Cerritos Branch | Cerritos , CA | 90703 | $156.8M |
| First American Branch | Brooklyn , NY | 11220 | $141.6M |
| Hawaii Main Branch | Honolulu , HI | 96813 | $126.3M |
| Eighth Avenue Branch | Brooklyn , NY | 11220 | $122.3M |
| Monterey Park Branch | Monterey Park , CA | 91754 | $120.4M |
| Flushing | Flushing , NY | 11354 | $119.9M |
| Pacific Global Bank Branch | Chicago , IL | 60616 | $117.3M |
| Irvine Branch | Irvine , CA | 92618 | $113.5M |
| Canal Branch | New York , NY | 10013 | $110.9M |
| 42-04 Main Street, Flushing Branch | Flushing , NY | 11355 | $77.8M |
| Elmhurst Branch | Elmhurst , NY | 11373 | $77.5M |
| Oxnard Branch | Oxnard , CA | 93036 | $66.0M |
| Edison Branch | Edison , NJ | 08817 | $57.7M |
| Pacific Global Bank Branch | Chicago , IL | 60608 | $54.9M |
| Bensonhurst Branch | Brooklyn , NY | 11214 | $50.8M |
| Silverlake-Sunset Branch | Los Angeles , CA | 90026 | $44.7M |
| Westlake Village Branch | Westlake Village , CA | 91362 | $38.1M |
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 |
|---|---|---|---|
| January 11, 2020 | Structure Change | Acquired Pacific Global Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2018 | Structure Change | Acquired First American International Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2016 | Structure Change | Acquired TomatoBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2013 | Structure Change | Acquired Los Angeles National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2011 | Structure Change | Acquired Ventura County Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2011 | Structure Change | Acquired First Asian Bank 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 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (SEC Form 8-K)
- August 23, 2024, SEC Form 8-K: 8-K Item 8.01: consent order
- October 31, 2023, SEC Form 8-K: 8-K Item 8.01: consent order
- October 31, 2023, SEC Form 8-K: 8-K Item 9.01: consent order
- Period: Most recent institution action August 23, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in CA, rank 61 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,093 applications, 653 loans originated, $579.6M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $26.5M approved, $1.2M 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
- 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 Business Bank
What are Royal Business Bank's total assets?
As of the Q3 2026 filing, Royal Business Bank reported total assets of $4.24 billion in its FFIEC call report.
Where is Royal Business Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was Royal Business Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Royal Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Royal Business Bank?
Royal Business Bank's primary federal regulator is the FDIC.
What is Royal Business Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.84% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Royal Business Bank operate?
It operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Royal Business Bank's Texas Ratio?
Its Texas Ratio is 6.94% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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