Royal Business Bank
Los Angeles, CA · Cert 58816 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · RBB Bcorp
State charter, non-member · FDIC · 24 branches
Q2 2026
$4.3BAssets
$3.3BLoans
$3.5BDeposits
$578.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 68% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 6 of 19).
- Widest gap: return on equity trails 79% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 15 of 19).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.17%
Rank 14 of 19
Net Interest Margin
3.12%
Rank 12 of 19
Efficiency Ratio
52.26%
Rank 11 of 19
Equity / Assets
13.55%
Rank 6 of 19
Non-interest income vs. expense
Unfavorable gap of $60.4M · efficiency ratio beats 47% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 1.10% | 1.26% | 1.57% | Beats 26% | 14 / 19 | |
| Return on Equity | 8.62% | 8.62% | 11.28% | 14.70% | Beats 21% | 15 / 19 | |
| Net Interest Margin | 3.12% | 3.07% | 3.30% | 3.62% | Beats 37% | 12 / 19 | |
| Efficiency Ratio | 52.26% | 33.01% | 51.12% | 56.65% | Beats 47% | 11 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.37% | 0.80% | 1.55% | Beats 59% | 8 / 17 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 8 / 17 | |
| Capital |
| Tier 1 Capital Ratio | 19.68% | 12.10% | 14.67% | 23.92% | Beats 63% | 7 / 19 | |
| Total Risk-Based Capital Ratio | 20.93% | 13.35% | 14.67% | 24.05% | Beats 63% | 7 / 19 | |
| Equity / Assets | 13.55% | 9.84% | 11.18% | 14.01% | Beats 68% | 6 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 95.16% | 79.34% | 95.16% | 100.04% | 47th pctl | 10 / 19 | |
| Loans / Assets | 77.55% | 69.86% | 77.55% | 83.04% | 47th pctl | 10 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |