RBC Bank (Georgia), National Association
Atlanta, GA · Cert 26342 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Royal Bank of Canada
National charter · OCC · 1 affiliate bank · 1 branch (67 in holding)
Q2 2026
$9.6BAssets
$4.4BLoans
$8.5BDeposits
$956.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 1 of 258).
- Widest gap: net charge-offs / loans trails 88% of banks $1B-$10B in assets operating in a single state (rank 229 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.27%
Rank 14 of 258
Net Interest Margin
3.70%
Rank 89 of 258
Efficiency Ratio
27.81%
Rank 3 of 257
Equity / Assets
9.97%
Rank 141 of 258
Non-interest income vs. expense
Unfavorable gap of $55.3M · efficiency ratio beats 99% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.27% | 0.93% | 1.23% | 1.54% | Beats 95% | 14 / 258 | | |
| Return on Equity | 22.77% | 9.26% | 11.84% | 14.74% | Beats 95% | 12 / 258 | | |
| Net Interest Margin | 3.70% | 3.16% | 3.49% | 3.88% | Beats 66% | 89 / 258 | | |
| Efficiency Ratio | 27.81% | 51.71% | 60.30% | 69.65% | Beats 99% | 3 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.19% | 0.46% | 0.90% | Beats 54% | 119 / 258 | | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 12% | 229 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 48.11% | 11.41% | 12.98% | 15.12% | Beats 100% | 1 / 258 | | |
| Total Risk-Based Capital Ratio | 49.16% | 12.10% | 13.91% | 16.08% | Beats 100% | 1 / 258 | | |
| Equity / Assets | 9.97% | 9.09% | 10.24% | 11.72% | Beats 45% | 141 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.39% | 73.24% | 86.34% | 95.95% | 4th pctl | 248 / 258 | | |
| Loans / Assets | 45.72% | 63.01% | 72.27% | 78.40% | 5th pctl | 246 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |