Royal Business Bank
Royal Business Bank reported total assets of $4.3 bn at Q2 2026, up 4.5% on a year earlier, the 319th largest of 497 banks in our US coverage. The CET1 capital ratio at Royal Business Bank was 19.68%, and the uninsured share of Royal Business Bank was 50.67%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Royal Business Bank climbed from 479th to 289th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Royal Business Bank has one of the highest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 19.68% at , against a median of 13.22% across 287 banks (FDIC Call Reports).
- Since , Royal Business Bank has taken over 2 institutions; the latest was Pacific Global Bank on (FDIC Call Reports).
What sets Royal Business Bank apart
How large is Royal Business Bank?
The balance sheet of Royal Business Bank at : assets $4.3 bn, deposits $3.5 bn, net loans $3.3 bn (loans equal to 93.90% of deposits). Securities make up 9.6% of total assets at Royal Business Bank. Since , when Royal Business Bank held $1.4 bn, its assets grew 195.3%. In the year to , deposits at Royal Business Bank rose 6.8% while its total assets rose 4.5%. At , Royal Business Bank employed 381 full-time equivalent staff across 25 offices, about $11.2 mn of assets per employee and $139.1 mn of deposits per office.
How much funding at Royal Business Bank is uninsured?
At Royal Business Bank, uninsured deposits (above the FDIC limit) made up 50.67% of domestic deposits at (+3.90 pp on a year earlier); Royal Business Bank ranks 76th of 500 on this measure. In dollars, Royal Business Bank estimated $1.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +6.8% | 321st of 499 |
| Net loans and leases | $3.3 bn | +2.6% | 298th of 500 |
| Loan-to-deposit ratio | 93.90% | -3.84 pp | 133rd of 500 |
| Tier 1 leverage ratio | 12.54% | -0.66 pp | 77th of 500 |
| Total risk-based capital ratio | 20.93% | -0.28 pp | 36th of 448 |
| Net interest margin | 3.33% | +0.25 pp | 340th of 500 |
| Return on assets (ROA) | 1.18% | +0.45 pp | 319th of 500 |
| Efficiency ratio | 51.90% | -4.09 pp | 171st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $103,000 | Narrowed by $88,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $20.9 mn | Narrowed by $2.2 mn | |
| Noncurrent loans to total loans | 0.72% | -1.04 pp | 289th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.37 pp | 87th of 500 (1 = lowest) |
US rank of Royal Business Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Royal Business Bank: assets, deposits and loans
- Total assets $4.3bn
- Deposits $3.5bn
- Net loans $3.3bn
Capital and securities
The CET1 ratio of Royal Business Bank stood at 19.68% in , -0.28 pp year on year. Low and high at Royal Business Bank since : 12.88% () to 22.87% (). Equity capital of Royal Business Bank at : $578.1 mn, or 13.5% of total assets. Royal Business Bank also reported a total capital ratio of 20.93% for , and a tier 1 leverage ratio of 12.54%.
On held-to-maturity securities, Royal Business Bank carried an unrealized loss of $103,000 at , equal to 0.0% of equity capital. The loss narrowed by $88,000 over the year. Its deepest point: $464,000 in . The available-for-sale portfolio of Royal Business Bank showed an unrealized loss of $20.9 mn at ; the loss narrowed by $2.2 mn over the year.
Royal Business Bank: capital ratios
- Total capital 21%
- CET1 20%
- Tier 1 leverage 13%
Royal Business Bank: unrealized securities gains and losses
- Available for sale -$21mn
- Held to maturity -$103,000
Profitability and loan quality
For the year to , Royal Business Bank earned a return on equity of 8.32%; return on assets: 1.18%. Net interest margin at Royal Business Bank: 3.33%, +0.25 pp in a year. Royal Business Bank net income: $24.9 mn, up 68.6% year on year. The efficiency ratio of Royal Business Bank was 51.90%: about 52 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.72% of total loans at Royal Business Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Royal Business Bank: $3.3 bn, up 2.3% in a year.
Royal Business Bank: profitability
- Return on equity 8.3%
- Net interest margin 3.3%
- Return on assets 1.2%
Peer group of Royal Business Bank
The peer group of Royal Business Bank 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 Royal Business Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Royal Business Bank shows CET1 ratio 19.68% against a peer median of 15.12%, return on equity 8.32% against a peer median of 13.25% and uninsured deposit share 50.67% against a peer median of 44.50%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| NATIONAL COOPERATIVE BANK | National bank | OH | $4.3 bn | 14.05% | 12.40% | 56.73% | |
| Civista Bank | State member bank | OH | $4.3 bn | 16.39% | 9.91% | 18.30% | |
| The First Bank and Trust Company | State member bank | VA | $4.3 bn | 12.58% | 18.63% | 41.53% | |
| Royal Business Bank | State nonmember bank | CA | $4.3 bn | 19.68% | 8.32% | 50.67% | |
| Inwood National Bank | National bank | TX | $4.3 bn | 16.18% | 14.11% | 47.46% | |
| The Bank of Missouri | State nonmember bank | MO | $4.2 bn | 10.83% | 8.10% | 25.30% | |
| Bessemer Trust Company | National bank | NY | $4.2 bn | 23.20% | 38.18% | 82.33% | |
. FDIC Call Reports.
Last eight quarters
Two years at Royal Business Bank, to : assets +7.0%, deposits +11.2%, equity -3.8%. Staff 364 to 381.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.0 bn | $4.0 bn | $4.0 bn | $4.1 bn | $4.2 bn | $4.2 bn | $4.2 bn | $4.3 bn |
| Total deposits | $3.1 bn | $3.1 bn | $3.2 bn | $3.3 bn | $3.4 bn | $3.4 bn | $3.4 bn | $3.5 bn |
| Bank equity capital | $600.8 mn | $602.6 mn | $609.5 mn | $577.8 mn | $590.9 mn | $603.5 mn | $615.4 mn | $578.1 mn |
| CET1 ratio | 21.84% | 21.74% | 21.84% | 19.96% | 20.23% | 20.57% | 21.09% | 19.68% |
| Return on equity (ROE) | 5.86% | 5.35% | 2.44% | 4.95% | 5.82% | 6.24% | 8.27% | 8.32% |
| Uninsured share of domestic deposits | 43.58% | 44.38% | 44.90% | 46.77% | 44.42% | 45.57% | 47.24% | 50.67% |
| Full-time equivalent employees | 364 | 372 | 376 | 379 | 375 | 369 | 377 | 381 |
| Number of offices | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Royal Business Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed TomatoBank (FDIC certificate 35474).
- . Absorbed First American International Bank (FDIC certificate 35186).
- . Absorbed Pacific Global Bank (FDIC certificate 34089).
Large one-quarter moves at Royal Business Bank
- Total assets at Royal Business Bank changed by +39.2% in the quarter to 2018-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First American International Bank.
Questions and identifiers
What were the total assets of Royal Business Bank?
Royal Business Bank reported $4.3 bn at in its Call Report. That makes Royal Business Bank the 319th largest of 497 banks in our US coverage.
Is Royal Business Bank the same as its holding company?
No. This page covers Royal Business Bank, FDIC certificate 58816; RBB BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Royal Business Bank profitable?
Royal Business Bank reported net income of $24.9 mn for the year to ; annualized return on equity: 8.32%. So yes: Royal Business Bank made a profit over these months.
When is data for Royal Business Bank next updated?
Figures from Royal Business Bank for are due after .
Where can I check the figures for Royal Business Bank?
In the FDIC BankFind Suite record for certificate 58816, and in the Call Reports of Royal Business Bank (RSSD ID 3835454) at the FFIEC Central Data Repository.