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 | |