RBC Bank, (Georgia)
RBC Bank, (Georgia) reported total assets of $9.6 bn at Q2 2026, up 39.7% on a year earlier, the 165th largest of 497 banks in our US coverage. The CET1 capital ratio at RBC Bank, (Georgia) was 48.11%, and the uninsured share of RBC Bank, (Georgia) was 5.51%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, RBC Bank, (Georgia) climbed from 311th to 152nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- RBC Bank, (Georgia) has one of the highest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 48.11% at , against a median of 13.22% across 287 banks (FDIC Call Reports).
- The efficiency ratio of RBC Bank, (Georgia), 27.22% at , places RBC Bank, (Georgia) in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%; FDIC Call Reports).
What sets RBC Bank, (Georgia) apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower uninsured share of domestic deposits than RBC Bank, (Georgia), at 5.51% in ; the group median is 32.61%.
- RBC Bank, (Georgia) has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 23.77% at , against a median of 12.68% across 339 banks.
- The loan-to-deposit ratio of RBC Bank, (Georgia), 51.12% at , places RBC Bank, (Georgia) in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%).
How large is RBC Bank, (Georgia)?
The balance sheet of RBC Bank, (Georgia) at : assets $9.6 bn, deposits $8.5 bn, net loans $4.4 bn (loans equal to 51.12% of deposits). Securities make up 49.5% of total assets at RBC Bank, (Georgia). Since , when RBC Bank, (Georgia) held $3.6 bn, its assets grew 170.0%. In the year to , deposits at RBC Bank, (Georgia) rose 42.7% while its total assets rose 39.7%. At , RBC Bank, (Georgia) employed 269 full-time equivalent staff across 1 office, about $35.7 mn of assets per employee and $8.5 bn of deposits per office.
How much funding at RBC Bank, (Georgia) is uninsured?
At RBC Bank, (Georgia), uninsured deposits (above the FDIC limit) made up 5.51% of domestic deposits at (-0.76 pp on a year earlier); RBC Bank, (Georgia) ranks 480th of 500 on this measure. In dollars, RBC Bank, (Georgia) estimated $470.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.5 bn | +42.7% | 156th of 499 |
| Net loans and leases | $4.4 bn | +55.2% | 242nd of 500 |
| Loan-to-deposit ratio | 51.12% | +4.10 pp | 471st of 500 |
| Tier 1 leverage ratio | 10.42% | -1.40 pp | 235th of 500 |
| Total risk-based capital ratio | 49.16% | +7.77 pp | 8th of 448 |
| Net interest margin | 4.04% | -0.11 pp | 129th of 500 |
| Return on assets (ROA) | 2.47% | +0.03 pp | 26th of 500 |
| Efficiency ratio | 27.22% | -4.36 pp | 18th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $76.8 mn | Widened by $12.6 mn | |
| Noncurrent loans to total loans | 0.41% | -0.28 pp | 152nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.34% | -0.08 pp | 407th of 500 (1 = lowest) |
US rank of RBC Bank, (Georgia): 1 = highest unless marked 1 = lowest.
Balance sheet
RBC Bank, (Georgia): assets, deposits and loans
- Total assets $9.6bn
- Deposits $8.5bn
- Net loans $4.4bn
Capital and securities
The CET1 ratio of RBC Bank, (Georgia) stood at 48.11% in , +7.72 pp year on year. Low and high at RBC Bank, (Georgia) since : 24.16% () to 48.11% (). Equity capital of RBC Bank, (Georgia) at : $956.8 mn, or 10.0% of total assets. RBC Bank, (Georgia) also reported a total capital ratio of 49.16% for , and a tier 1 leverage ratio of 10.42%.
The available-for-sale portfolio of RBC Bank, (Georgia) showed an unrealized loss of $76.8 mn at ; the loss widened by $12.6 mn over the year.
RBC Bank, (Georgia): capital ratios
- Total capital 49%
- CET1 48%
- Tier 1 leverage 10%
RBC Bank, (Georgia): unrealized securities gains and losses
- Available for sale -$77mn
- Held to maturity $0
Profitability and loan quality
For the year to , RBC Bank, (Georgia) earned a return on equity of 23.77%; return on assets: 2.47%. Net interest margin at RBC Bank, (Georgia): 4.04%, -0.11 pp in a year. RBC Bank, (Georgia) net income: $108.9 mn, up 30.7% year on year. The efficiency ratio of RBC Bank, (Georgia) was 27.22%: about 27 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.41% of total loans at RBC Bank, (Georgia); net charge-offs: 0.34% of average loans. Gross loans and leases at RBC Bank, (Georgia): $4.4 bn, up 54.7% in a year.
RBC Bank, (Georgia): profitability
- Return on equity 24%
- Net interest margin 4.0%
- Return on assets 2.5%
Peer group of RBC Bank, (Georgia)
The peer group of RBC Bank, (Georgia) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of RBC Bank, (Georgia) (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Georgia. Against them, RBC Bank, (Georgia) shows CET1 ratio 48.11% against a peer median of 14.78%, return on equity 23.77% against a peer median of 12.55% and uninsured deposit share 5.51% against a peer median of 36.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Principal Bank | Federal savings bank | IA | $9.8 bn | 14.91% | 33.04% | 45.59% | |
| Capitol Federal Savings Bank | Federal savings bank | KS | $9.7 bn | not reported | 8.92% | 11.15% | |
| EagleBank | State member bank | MD | $9.6 bn | 14.95% | 4.50% | 27.69% | |
| RBC Bank, (Georgia) | National bank | GA | $9.6 bn | 48.11% | 23.77% | 5.51% | |
| Wintrust Bank | National bank | IL | $9.6 bn | 12.25% | 17.21% | 45.94% | |
| Peoples Bank | State member bank | OH | $9.5 bn | 12.30% | 10.48% | 26.43% | |
| Amalgamated Bank | State nonmember bank | NY | $9.4 bn | 14.78% | 14.63% | 57.05% | |
. FDIC Call Reports.
Last eight quarters
Two years at RBC Bank, (Georgia), to : assets +42.9%, deposits +45.4%, equity +39.9%. Staff 232 to 269.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.7 bn | $6.8 bn | $6.9 bn | $6.9 bn | $7.4 bn | $8.0 bn | $8.8 bn | $9.6 bn |
| Total deposits | $5.9 bn | $6.0 bn | $6.0 bn | $6.0 bn | $6.5 bn | $7.1 bn | $7.8 bn | $8.5 bn |
| Bank equity capital | $683.8 mn | $718.3 mn | $766.1 mn | $810.6 mn | $822.0 mn | $881.5 mn | $911.5 mn | $956.8 mn |
| CET1 ratio | 33.92% | 34.95% | 37.04% | 40.39% | 40.60% | 41.11% | 43.93% | 48.11% |
| Return on equity (ROE) | 22.30% | 22.65% | 21.80% | 21.79% | 21.98% | 22.30% | 21.57% | 23.77% |
| Uninsured share of domestic deposits | 6.74% | 7.01% | 6.77% | 6.27% | 6.25% | 6.55% | 5.98% | 5.51% |
| Full-time equivalent employees | 232 | 235 | 229 | 250 | 263 | 269 | 267 | 269 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by RBC Bank, (Georgia) appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of RBC Bank, (Georgia)?
RBC Bank, (Georgia) reported $9.6 bn at in its Call Report. That makes RBC Bank, (Georgia) the 165th largest of 497 banks in our US coverage.
Is RBC Bank, (Georgia) the same as its holding company?
No. This page covers RBC Bank, (Georgia), FDIC certificate 26342; ROYAL BANK OF CANADA (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is RBC Bank, (Georgia) profitable?
RBC Bank, (Georgia) reported net income of $108.9 mn for the year to ; annualized return on equity: 23.77%. So yes: RBC Bank, (Georgia) made a profit over these months.
When is data for RBC Bank, (Georgia) next updated?
Figures from RBC Bank, (Georgia) for are due after .
Where can I check the figures for RBC Bank, (Georgia)?
In the FDIC BankFind Suite record for certificate 26342, and in the Call Reports of RBC Bank, (Georgia) (RSSD ID 3783948) at the FFIEC Central Data Repository.