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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

5.03%Q2 ’245.25%Q2 ’255.50%Q2 ’26+6%+16%

Non-interest income vs. expense

2.26%Q2 ’242.35%Q2 ’252.57%Q2 ’26+11%+14%

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 1.06%, up 20 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.16% of loans (-43 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.06%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+51 bps YoY

Efficiency Ratio (quarter, annualized)

63.43%-158 bps YoY

Tier 1 Leverage Ratio

10.93%+71 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.78%0.97%1.05%1.06%+20 bps
Return on Equity7.42%6.66%8.27%8.84%8.69%+127 bps
Net Interest Margin3.26%3.55%3.64%3.58%3.77%+51 bps
Efficiency Ratio65.00%63.45%64.26%64.31%63.43%-158 bps
Non-Interest Burden1.99%2.14%2.25%2.16%2.27%+29 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%1.00%0.02%0.00%0.02%+1 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