Royal Banks of Missouri: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Royal Banks of Missouri is the primary bank subsidiary of its parent holding company, headquartered in Saint Louis, MO. As of Q2 2026, the bank held approximately $1.0B in total assets and $892M in deposits. Returns are in line with industry norms at 1.06% ROA and 8.69% ROE; net interest margin is 4.13%. Regulatory capital is solid, 12.07% CET1 and 12.60% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.16%. Royal Banks of Missouri operates a 19-branch network.
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%, a Texas ratio of 14.12%, per financial data filed with the FFIEC.
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)
- Offices
- 19 domestic
- Employees (FTE)
- 132
- Domestic deposits
- $891.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $45K
- 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
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 Royal Banks of Missouri terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Royal Banks of Missouri, 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
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.
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 | 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% | 1.41% | 24.22% | 3.89% |
| Q2 2025 | 12.12% | 0.85% | 1.93% | 26.24% | 3.57% |
| Q1 2025 | 11.95% | 0.64% | 2.45% | 30.41% | 3.21% |
| Q4 2024 | 11.57% | 0.98% | 1.98% | 27.85% | 3.39% |
| Q3 2024 | 13.79% | 0.45% | 0.14% | 12.36% | 2.77% |
Swipe the table sideways to see every column.
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 18 branches →
| 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
What the public regulatory sources show for Royal Banks of Missouri, 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
- 0.2% of deposits in MO, rank 64 of 253 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
- Not on file: no CFPB complaints matched
- Period: not on file. 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.
Add this badge to your website
Free to use. The badge always shows Royal Banks of Missouri’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Royal Banks of Missouri with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Royal Banks of Missouri headquartered?
Royal Banks of Missouri is headquartered in Saint Louis, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Royal Banks of Missouri founded?
Royal Banks of Missouri was established in 1965, per the FDIC institution directory.
Is Royal Banks of Missouri FDIC-insured?
Yes. Royal Banks of Missouri 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Royal Banks of Missouri's CET1 capital ratio?
Royal Banks of Missouri 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?
Royal Banks of Missouri 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?
Royal Banks of Missouri's Texas Ratio is 14.12% 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 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.
Go deeper on Royal Banks of Missouri.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Royal Banks of Missouri, freeFree account