RBC Bank (Georgia), N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 48.11% was up 418bps from the prior quarter. The bank currently ranks third on the US Banks with Highest CET1 Capital Ratio leaderboard. RBC Bank (Georgia), N.A. is the primary bank subsidiary of its parent holding company, headquartered in Atlanta, GA. The Q2 2026 balance sheet stands at $9.6B in assets, including $4.4B in loans. Returns are notably above industry norms: 2.57% ROA, 25.94% ROE, and 3.98% NIM. Regulatory capital is solid, 48.11% CET1 and 49.16% total risk-based capital ratio. Asset quality is pristine, 0.30% NPLs and a 1.87% Texas Ratio. The bank operates from a single office.
As of June 30, 2026, RBC Bank (Georgia), N.A. reported a CET1 capital ratio of 48.11%, a return on assets of 2.57%, a nonperforming-loan ratio of 0.30%, a Texas ratio of 1.87%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3550 Lenox Rd Ne, Atlanta, GA 30326
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 30, 1985
- Former names
- First Gulf Bank, National Association (2005-2009); Citizens & Peoples Bank, National Association (1997-2005); Citizens and People's Bank, National Association (1997)
- Offices
- 1 domestic
- Employees (FTE)
- 269
- Domestic deposits
- $8.54B
- Allowance for credit losses
- $23.0M
- Net charge-offs (YTD)
- $6.2M
- Average total assets
- $9.42B
- Average total loans
- $3.94B
- Average interest-bearing deposits
- $6.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 30, 1985
- FDIC Cert
- 26342
- Fed RSSD
- 3783948
- Website
- www.rbcbank.com →
- Parent Holding Company
- RBC USA HOLDCO CORPORATION (RSSD 3226762)
- Ultimate Parent
- ROYAL BANK OF CANADA (RSSD 1232497)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full RBC Bank (Georgia), N.A. terminal
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Unlock RBC Bank (Georgia), N.A., freeRBC Bank (Georgia), N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for RBC Bank (Georgia), N.A.: ROA, CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 48.11% | 2.57% | 0.30% | 1.87% | 3.98% |
| Q1 2026 | 43.93% | 2.27% | 0.49% | 2.30% | 3.92% |
| Q4 2025 | 41.11% | 2.55% | 0.53% | 2.38% | 4.04% |
| Q3 2025 | 40.60% | 2.49% | 0.53% | 2.35% | 4.04% |
| Q2 2025 | 40.39% | 2.48% | 0.54% | 2.37% | 4.15% |
| Q1 2025 | 37.04% | 2.37% | 0.53% | 2.49% | 4.08% |
| Q4 2024 | 34.95% | 2.46% | 0.48% | 2.39% | 3.98% |
| Q3 2024 | 33.92% | 2.07% | 0.39% | 2.08% | 3.92% |
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Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rbc Bank, (Georgia) National Association | Atlanta , GA | 30326 | $8.54B |
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 |
|---|---|---|---|
| August 27, 2009 | Structure Change | Acquired RBC Bank (Georgia) 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 1 event.
Regulatory record
What the public regulatory sources show for RBC Bank (Georgia), N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.3% of deposits in GA, rank 11 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 26 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about RBC Bank (Georgia), N.A.
What are RBC Bank (Georgia), N.A.'s total assets?
As of the Q2 2026 filing, RBC Bank (Georgia), N.A. reported total assets of $9.59 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is RBC Bank (Georgia), N.A. headquartered?
RBC Bank (Georgia), N.A. is headquartered in Atlanta, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was RBC Bank (Georgia), N.A. founded?
RBC Bank (Georgia), N.A. was established in 1985, per the FDIC institution directory.
Is RBC Bank (Georgia), N.A. FDIC-insured?
Yes. RBC Bank (Georgia), N.A. is an FDIC-insured commercial bank (FDIC Certificate #26342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates RBC Bank (Georgia), N.A.?
RBC Bank (Georgia), N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is RBC Bank (Georgia), N.A.'s CET1 capital ratio?
RBC Bank (Georgia), N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 48.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does RBC Bank (Georgia), N.A. operate?
RBC Bank (Georgia), N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is RBC Bank (Georgia), N.A.'s Texas Ratio?
RBC Bank (Georgia), N.A.'s Texas Ratio is 1.87% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was RBC Bank (Georgia), N.A. previously called?
The charter now named RBC Bank (Georgia), N.A. has also operated as First Gulf Bank, National Association (2005-2009), Citizens & Peoples Bank, National Association (1997-2005), Citizens and People's Bank, National Association (1997), per FDIC structure-change records.
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