PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Royal Business Bank

Los Angeles, CA · Cert 58816 · RBB Bcorp

State charter, non-member · FDIC · 24 branches

Q2 2026

$4.3BAssets
$3.3BLoans
$3.5BDeposits
$578.1MEquity
Loan mix
98%RE $3.3B2%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $2.8B20%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.46%Q2 ’245.39%Q2 ’255.42%Q2 ’26+9%+7%

Non-interest income vs. expense

1.75%Q2 ’242.01%Q2 ’251.77%Q2 ’26-20%+31%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.3% share · #31 of 107 inst. · $2.1B of $667.8B

0.6% Los Angeles
0.5% Kings
0.3% Queens
0.0% Cook

Executive Summary

  • Earnings: ROA of 1.17%, up 7 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.72% of loans (-104 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.54%, down 66 bps from a year ago.
  • Funding: loans stand at 95.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.17%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.14%+20 bps YoY

Efficiency Ratio (quarter, annualized)

51.89%-91 bps YoY

Tier 1 Leverage Ratio

12.54%-66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.08%1.07%1.20%1.17%+7 bps
Return on Equity7.46%7.66%7.53%8.27%8.26%+80 bps
Net Interest Margin2.94%3.02%3.02%3.10%3.14%+20 bps
Efficiency Ratio52.80%54.48%54.51%51.91%51.89%-91 bps
Non-Interest Burden1.12%1.51%1.51%1.40%1.47%+35 bps
Growth
Asset Growth (YoY)5.65%5.41%5.42%4.61%4.52%-114 bps
Loan Growth (YoY)6.03%6.81%8.22%5.77%2.31%-371 bps
Deposit Growth (YoY)6.57%9.36%9.05%6.78%6.77%+20 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.38%1.35%1.34%0.72%-104 bps
Net Charge-Offs / Loans0.41%0.83%0.20%0.00%0.01%-40 bps
Allowance / Loans1.58%1.36%1.32%1.31%1.32%-26 bps
Allowance Coverage of NPLs0.9x1.0x1.0x1.0x1.8x+0.9x
Capital
Tier 1 Leverage Ratio13.20%13.03%13.20%13.46%12.54%-66 bps
Total Risk-Based Capital21.21%21.49%21.82%22.35%20.93%-28 bps
Equity / Assets14.15%14.06%14.37%14.70%13.55%-60 bps
Liquidity & Funding
Loans / Deposits99.30%96.55%97.54%98.21%95.16%-415 bps
Liquid Assets / Assets3.72%4.69%4.32%4.04%6.00%+228 bps
CRE / Total Capitaln/a276%274%264%n/an/a