Royal Bank
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
$816.1MAssets
$563.8MLoans
$723.1MDeposits
$86.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets in WI (rank 25 of 113).
- Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets in WI (rank 78 of 110).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $17.0M · efficiency ratio beats 61% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |