Elroy, WI · Cert 13454 · Royal Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
48
Profitability
75
Liquidity
67
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Elroy, WI · Cert 13454 · Royal Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.3% share · #32 of 41 inst. · $0.1B of $30.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.22% | 1.29% | 1.35% | 1.43% | 1.46% | 1.44% | 1.48% | +14 bps | |
| Return on Equity | 11.67% | 11.77% | 12.55% | 13.06% | 13.71% | 13.99% | 13.67% | 14.03% | +97 bps | |
| Net Interest Margin | 3.40% | 3.38% | 3.62% | 3.71% | 3.76% | 3.78% | 3.94% | 3.95% | +24 bps | |
| Efficiency Ratio | 62.03% | 61.96% | 61.16% | 59.57% | 57.77% | 57.04% | 60.24% | 58.93% | -64 bps | |
| Non-Interest Burden | 1.88% | 1.87% | 1.98% | 1.98% | 1.93% | 1.91% | 2.16% | 2.10% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.48% | 4.15% | 3.57% | 4.46% | 4.77% | 4.19% | 6.40% | 5.77% | +131 bps | |
| Loan Growth (YoY) | 0.81% | 3.17% | 4.49% | 6.88% | 7.44% | 8.56% | 8.99% | 7.53% | +64 bps | |
| Deposit Growth (YoY) | 3.34% | 4.27% | 3.48% | 4.30% | 4.54% | 3.82% | 6.34% | 5.74% | +144 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.11% | 0.10% | 0.20% | 0.10% | 0.11% | 0.10% | 0.06% | -14 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.49% | 1.49% | 1.52% | 1.50% | 1.50% | 1.51% | 1.51% | 1.50% | +1 bps | |
| Allowance Coverage of NPLs | 5.1x | 13.9x | 15.0x | 7.4x | 15.7x | 14.3x | 14.8x | 24.0x | +16.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 10.11% | 10.24% | 10.39% | 10.52% | 10.54% | 10.50% | 10.53% | +14 bps | |
| Total Risk-Based Capital | 16.82% | 15.52% | 16.86% | 17.04% | 16.95% | 16.85% | 17.09% | 16.73% | -30 bps | |
| Equity / Assets | 10.46% | 10.12% | 10.41% | 10.47% | 10.68% | 10.58% | 10.55% | 10.61% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.62% | 74.43% | 75.11% | 76.68% | 77.72% | 77.82% | 76.97% | 77.98% | +130 bps | |
| Liquid Assets / Assets | 23.76% | 23.85% | 24.02% | 22.98% | 21.22% | 20.89% | 22.49% | 20.30% | -268 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.56% | 159.56% | 158.80% | n/a | n/a | |
Elroy, WI · Cert 13454 · Peer group: banks under $1B in assets in WI (n=110-113) · Royal Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Return on Assets
1.47%
Rank 31 of 113
Net Interest Margin
3.95%
Rank 25 of 113
Efficiency Ratio
59.15%
Rank 45 of 113
Equity / Assets
10.61%
Rank 60 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.85% | 1.17% | 1.51% | Beats 73% | 31 / 113 | ||
| Return on Equity | 13.85% | 7.70% | 10.77% | 13.67% | Beats 75% | 28 / 113 | ||
| Net Interest Margin | 3.95% | 3.19% | 3.59% | 3.89% | Beats 78% | 25 / 113 | ||
| Efficiency Ratio | 59.15% | 54.61% | 62.43% | 71.88% | Beats 61% | 45 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.24% | 0.91% | Beats 66% | 38 / 110 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 30% | 78 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.48% | 11.22% | 12.95% | 15.76% | Beats 73% | 30 / 113 | ||
| Total Risk-Based Capital Ratio | 16.73% | 11.57% | 13.59% | 16.73% | Beats 74% | 29 / 113 | ||
| Equity / Assets | 10.61% | 9.17% | 10.74% | 13.13% | Beats 47% | 60 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.98% | 76.54% | 86.37% | 98.93% | 29th pctl | 80 / 112 | ||
| Loans / Assets | 69.09% | 63.07% | 71.33% | 78.84% | 43rd pctl | 64 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||