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Royal Bank

Elroy, WI · Cert 13454 · Royal Bancshares Inc.

State charter, non-member · FDIC · 21 branches

Q2 2026

$816.1MAssets
$563.8MLoans
$723.1MDeposits
$86.6MEquity
Loan mix
89%RE $441.6M8%C&I $38.2M3%Consumer $14.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $523.9M28%Noninterest $199.2MQ2 2025Q2 2026

NIM

4.68%Q2 ’244.97%Q2 ’255.20%Q2 ’26+13%+5%

Non-interest income vs. expense

2.44%Q2 ’242.55%Q2 ’252.66%Q2 ’26+6%+5%

Market Position · Madison, WI · 2026 SOD (annual) · 0.3% share · #32 of 41 inst. · $0.1B of $30.1B

34.7% Juneau
6.6% Grant
13.3% Iowa
13.4% Crawford

Executive Summary

  • Earnings: ROA of 1.52%, up 11 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.06% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.53%, up 14 bps from a year ago.
  • Funding: loans stand at 77.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.52%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.02%+20 bps YoY

Efficiency Ratio (quarter, annualized)

57.67%-37 bps YoY

Tier 1 Leverage Ratio

10.53%+14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.58%1.57%1.44%1.52%+11 bps
Return on Equity13.57%14.99%14.76%13.67%14.40%+83 bps
Net Interest Margin3.82%3.94%4.05%3.94%4.02%+20 bps
Efficiency Ratio58.05%54.40%55.04%60.24%57.67%-37 bps
Non-Interest Burden1.98%1.88%1.96%2.16%2.07%+9 bps
Growth
Asset Growth (YoY)4.46%4.77%4.19%6.40%5.77%+131 bps
Loan Growth (YoY)6.88%7.44%8.56%8.99%7.53%+64 bps
Deposit Growth (YoY)4.30%4.54%3.82%6.34%5.74%+144 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.10%0.11%0.10%0.06%-14 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.02%0.00%+1 bps
Allowance / Loans1.50%1.50%1.51%1.51%1.50%+1 bps
Allowance Coverage of NPLs7.4x15.7x14.3x14.8x24.0x+16.6x
Capital
Tier 1 Leverage Ratio10.39%10.52%10.54%10.50%10.53%+14 bps
Total Risk-Based Capital17.04%16.95%16.85%17.09%16.73%-30 bps
Equity / Assets10.47%10.68%10.58%10.55%10.61%+14 bps
Liquidity & Funding
Loans / Deposits76.68%77.72%77.82%76.97%77.98%+130 bps
Liquid Assets / Assets22.98%21.22%20.89%22.49%20.30%-268 bps
CRE / Total Capitaln/a154.56%159.56%158.80%n/an/a