Saint Louis, MO · Cert 19512 · Royal Bancshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #33 of 111 inst. · $0.8B of $141.7B
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 | 0.72% | 0.78% | 0.64% | 0.75% | 0.76% | 0.81% | 1.05% | 1.05% | +30 bps | |
| Return on Equity | 5.36% | 6.05% | 5.71% | 6.57% | 6.60% | 7.03% | 8.84% | 8.76% | +219 bps | |
| Net Interest Margin | 2.84% | 2.91% | 2.93% | 3.11% | 3.24% | 3.35% | 3.58% | 3.71% | +60 bps | |
| Efficiency Ratio | 70.41% | 69.44% | 72.65% | 68.62% | 66.76% | 66.10% | 64.31% | 63.87% | -475 bps | |
| Non-Interest Burden | 1.89% | 1.91% | 2.04% | 2.02% | 2.05% | 2.11% | 2.16% | 2.24% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 0.18% | 1.73% | 0.19% | 0.18% | 0.64% | 1.40% | 0.53% | +34 bps | |
| Loan Growth (YoY) | 15.20% | 2.73% | 1.66% | 1.15% | -0.39% | 3.74% | 4.63% | 7.43% | +629 bps | |
| Deposit Growth (YoY) | 2.87% | 2.64% | 4.03% | 1.96% | 2.16% | -0.53% | 0.48% | -0.45% | -241 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.14% | 0.59% | 0.59% | 0.13% | 0.16% | 0.19% | 0.16% | -43 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.01% | 0.01% | 0.34% | 0.25% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 0.70% | 0.65% | 0.68% | 0.72% | 0.57% | 0.58% | 0.59% | 0.60% | -12 bps | |
| Allowance Coverage of NPLs | 3.4x | 4.8x | 1.1x | 1.2x | 4.2x | 3.6x | 3.1x | 3.7x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.83% | 9.77% | 9.93% | 10.22% | 10.23% | 10.51% | 10.48% | 10.93% | +71 bps | |
| Total Risk-Based Capital | 14.41% | 12.16% | 12.55% | 12.76% | 12.45% | 12.44% | 12.79% | 12.60% | -16 bps | |
| Equity / Assets | 13.31% | 11.18% | 11.40% | 11.73% | 11.65% | 11.79% | 11.92% | 12.37% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.86% | 82.77% | 81.89% | 83.94% | 84.70% | 86.33% | 85.27% | 90.59% | +665 bps | |
| Liquid Assets / Assets | 8.57% | 10.32% | 11.50% | 5.81% | 6.62% | 5.90% | 5.75% | 3.53% | -228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 493% | 471% | 457% | n/a | n/a | |