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
Unfavorable gap of $23.3M · efficiency ratio beats 33% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.93% | 1.26% | 1.54% | Beats 35% | 115 / 176 | | |
| Return on Equity | 8.63% | 9.26% | 11.89% | 14.46% | Beats 18% | 144 / 176 | | |
| Net Interest Margin | 3.71% | 3.25% | 3.59% | 3.93% | Beats 59% | 72 / 176 | | |
| Efficiency Ratio | 64.64% | 52.79% | 59.55% | 67.66% | Beats 33% | 119 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.30% | 0.64% | 1.32% | Beats 88% | 22 / 176 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 78% | 39 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.07% | 11.15% | 12.72% | 14.15% | Beats 42% | 102 / 176 | | |
| Total Risk-Based Capital Ratio | 12.60% | 11.81% | 13.63% | 15.33% | Beats 35% | 115 / 176 | | |
| Equity / Assets | 12.37% | 9.16% | 10.35% | 11.80% | Beats 82% | 32 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.59% | 80.94% | 89.73% | 97.21% | 53rd pctl | 83 / 176 | | |
| Loans / Assets | 78.30% | 69.25% | 75.12% | 80.82% | 64th pctl | 63 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |