PackageTrendsPeer
Letter portraitLegal landscape

Royal Banks of Missouri

Saint Louis, MO · Cert 19512 · Royal Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

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.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Royal Banks of Missouri

Saint Louis, MO · Cert 19512 · Royal Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$1.0BAssets
$807.7MLoans
$891.6MDeposits
$127.6MEquity
Loan mix
86%RE $664.3M13%C&I $100.0M1%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $699.3M22%Noninterest $192.3MQ2 2025Q2 2026

NIM

4.98%Q2 ’245.14%Q2 ’255.47%Q2 ’26+2%+19%

Non-interest income vs. expense

2.26%Q2 ’242.36%Q2 ’252.57%Q2 ’26+7%+11%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #33 of 111 inst. · $0.8B of $141.7B

0.8% St. Louis
1.7% St. Charles
1.9% Madison
13.1% Jersey

Executive Summary

  • Earnings: ROA of 1.05%, up 30 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.16% of loans (-43 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.93%, up 71 bps from a year ago.
  • Funding: loans stand at 90.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+60 bps YoY

Efficiency Ratio (YTD, annualized)

63.87%-475 bps YoY

Tier 1 Leverage Ratio

10.93%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.76%0.81%1.05%1.05%+30 bps
Return on Equity6.57%6.60%7.03%8.84%8.76%+219 bps
Net Interest Margin3.11%3.24%3.35%3.58%3.71%+60 bps
Efficiency Ratio68.62%66.76%66.10%64.31%63.87%-475 bps
Non-Interest Burden2.02%2.05%2.11%2.16%2.24%+22 bps
Growth
Asset Growth (YoY)0.19%0.18%0.64%1.40%0.53%+34 bps
Loan Growth (YoY)1.15%-0.39%3.74%4.63%7.43%+629 bps
Deposit Growth (YoY)1.96%2.16%-0.53%0.48%-0.45%-241 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.13%0.16%0.19%0.16%-43 bps
Net Charge-Offs / Loans0.01%0.34%0.25%0.00%0.01%0 bps
Allowance / Loans0.72%0.57%0.58%0.59%0.60%-12 bps
Allowance Coverage of NPLs1.2x4.2x3.6x3.1x3.7x+2.4x
Capital
Tier 1 Leverage Ratio10.22%10.23%10.51%10.48%10.93%+71 bps
Total Risk-Based Capital12.76%12.45%12.44%12.79%12.60%-16 bps
Equity / Assets11.73%11.65%11.79%11.92%12.37%+64 bps
Liquidity & Funding
Loans / Deposits83.94%84.70%86.33%85.27%90.59%+665 bps
Liquid Assets / Assets5.81%6.62%5.90%5.75%3.53%-228 bps
CRE / Total Capitaln/a493%471%457%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Royal Banks of Missouri

Saint Louis, MO · Cert 19512 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Royal Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$1.0BAssets
$807.7MLoans
$891.6MDeposits
$127.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 88% of banks $1B-$10B in assets operating regionally (rank 22 of 176).
  • Widest gap: return on equity trails 82% of banks $1B-$10B in assets operating regionally (rank 144 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.07%

Rank 115 of 176

Net Interest Margin

3.71%

Rank 72 of 176

Efficiency Ratio

64.64%

Rank 119 of 176

Equity / Assets

12.37%

Rank 32 of 176

Non-interest income vs. expense

$3.5M$26.8MINCOMEEXPENSE
Unfavorable gap of $23.3M · efficiency ratio beats 33% of banks $1B-$10B in assets operating regionally
Bank 64.64%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.93%1.26%1.54%Beats 35%115 / 176
Return on Equity8.63%9.26%11.89%14.46%Beats 18%144 / 176
Net Interest Margin3.71%3.25%3.59%3.93%Beats 59%72 / 176
Efficiency Ratio64.64%52.79%59.55%67.66%Beats 33%119 / 176
Asset Quality
Nonperforming Loans / Loans0.16%0.30%0.64%1.32%Beats 88%22 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 78%39 / 176
Capital
Tier 1 Capital Ratio12.07%11.15%12.72%14.15%Beats 42%102 / 176
Total Risk-Based Capital Ratio12.60%11.81%13.63%15.33%Beats 35%115 / 176
Equity / Assets12.37%9.16%10.35%11.80%Beats 82%32 / 176
Liquidity & Funding
Loans / Deposits90.59%80.94%89.73%97.21%53rd pctl83 / 176
Loans / Assets78.30%69.25%75.12%80.82%64th pctl63 / 176
Brokered Deposits / Depositsn/aNot reported for this institution